本文選題：再保險供給　切入點(diǎn)：再保險需求　出處：《新疆財經(jīng)大學(xué)》2013年碩士論文

【摘要】：隨著社會經(jīng)濟(jì)的發(fā)展，風(fēng)險導(dǎo)致的經(jīng)濟(jì)損失日益增大，保險公司承擔(dān)的責(zé)任也越發(fā)重大，保險公司由此產(chǎn)生了風(fēng)險轉(zhuǎn)嫁、控制經(jīng)營風(fēng)險、保證財務(wù)穩(wěn)定的需求，再保險應(yīng)運(yùn)而生。我國再保險市場起步較晚，存在再保險供求失衡、再保險安排不合理、再保險監(jiān)管不完善等問題，這些問題的存在束縛了我國保險業(yè)的健康發(fā)展。本文的研究，旨在以解決我國再保險供求不平衡為主線，總結(jié)并借鑒發(fā)達(dá)再保險市場的經(jīng)營經(jīng)驗，又結(jié)合我國再保險與原保險市場發(fā)展的實際，最終對促進(jìn)我國再保險市場均衡發(fā)展提出了對策建議。鑒于以上研究目的，本文將主體部分的寫作做了如下安排: 緒論部分對選題背景和目的、國內(nèi)外研究情況以及相關(guān)研究方法進(jìn)行概述。 第一章中國再保險市場概述：闡述了我國再保險行業(yè)的市場情況，分析了我國再保險市場特征，簡要分析了中國再保險市場存在的問題。為我國再保險市場供給與需求分析等研究提供了現(xiàn)實背景，起到導(dǎo)向性作用 第二章中國再保險市場供給分析：采用規(guī)范分析方法分析了影響再保險市場供給的因素，采用定量和規(guī)范分析相結(jié)合的方法對我國再保險市場的供給主體、供給績效及供給能力情況進(jìn)行了研究。 第三章中國再保險市場需求分析:這一章節(jié)運(yùn)用了規(guī)范分析的方法對決定市場需求的因素進(jìn)行了分析，并對我國再保險需求進(jìn)行了劃分，即劃分為有效需求和現(xiàn)實需求兩個方面，最后采用定量分析的方法對有效需求、現(xiàn)實需求以及潛在方面的需求進(jìn)行了實證研究。 第四章基于破產(chǎn)概率模型的中國再保險市場供給與需求實證分析：首先提出破產(chǎn)概率模型，研究自留保費(fèi)方面與償付能力相關(guān)關(guān)系，進(jìn)而采用定量分析的方法對我國再保險市場的供給和需求進(jìn)一步分析與研究，得出再保險需求相對供給不足及現(xiàn)有高自留保費(fèi)額度面臨著較高的風(fēng)險的結(jié)論，最后對再保險需求相對供給不足的原因進(jìn)行了分析。 第五章促進(jìn)中國再保險市場均衡發(fā)展的對策建議：本章節(jié)是在前四章的研究基礎(chǔ)上，既有介紹發(fā)達(dá)國家再保險市場的共同特征及對我國再保險市場發(fā)展可借鑒的基本經(jīng)驗，又有立足于本國實際，，提出解決我國再保險市場供給與需求不平衡的問題的對策建議。
[Abstract]:With the development of social economy, the economic losses caused by risks are increasing day by day, and the liability of insurance companies is becoming more and more serious. As a result, insurance companies have the need to transfer risks, control operational risks, and ensure financial stability.Reinsurance came into being.The reinsurance market of our country starts late, there are some problems such as imbalance of supply and demand of reinsurance, unreasonable arrangement of reinsurance, imperfect supervision of reinsurance and so on. The existence of these problems hampers the healthy development of the insurance industry of our country.The purpose of this paper is to solve the imbalance between supply and demand of reinsurance in China, to sum up and learn from the management experience of developed reinsurance market, and to combine the development of reinsurance and original insurance market in China.Finally, it puts forward countermeasures and suggestions to promote the balanced development of China's reinsurance market.In view of the above research purposes, this paper makes the following arrangements for the writing of the main part:The introduction part summarizes the background and purpose of the topic, domestic and foreign research situation and related research methods.The first chapter is an overview of China's reinsurance market: this paper expounds the market situation of China's reinsurance industry, analyzes the characteristics of China's reinsurance market, and briefly analyzes the problems existing in China's reinsurance market.It provides a realistic background for the research on the supply and demand analysis of China's reinsurance market and plays a leading role.The second chapter is the supply analysis of China's reinsurance market. The paper analyzes the factors influencing the supply of reinsurance market by using the normative analysis method, and uses the method of combining quantitative and normative analysis to analyze the supply main body of the reinsurance market in China.Supply performance and supply capacity were studied.The third chapter analyzes the demand of China's reinsurance market: this chapter uses the normative analysis method to analyze the factors that determine the market demand, and divides the demand of China's reinsurance.It is divided into two aspects: effective demand and realistic demand. Finally, the quantitative analysis method is used to study the effective demand, realistic demand and potential demand.Chapter 4 empirical analysis of supply and demand of Chinese reinsurance market based on ruin probability model: first of all, a ruin probability model is proposed to study the relationship between retention premium and solvency.Then, by using the method of quantitative analysis, the supply and demand of China's reinsurance market are further analyzed and studied, and the conclusion is drawn that the relative supply of reinsurance demand is insufficient and the existing high retention premium is facing a higher risk.At last, the paper analyzes the reasons of the relative shortage of reinsurance demand.The fifth chapter is about the countermeasures and suggestions to promote the balanced development of China's reinsurance market: this chapter is based on the previous four chapters, and introduces the common characteristics of the reinsurance market in developed countries and the basic experience that can be used for reference to the development of the reinsurance market in China.Some countermeasures and suggestions are put forward to solve the imbalance between supply and demand in China's reinsurance market.
【學(xué)位授予單位】：新疆財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.69

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