基于财产保险公司的最优再保险方案设计研究

发布时间：2018-02-13 02:01

本文关键词： 再保险最优再保险方案设计风险类别内部再保险　出处：《对外经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：再保险作为“保险的保险”,具有分散风险、扩大保险公司承保能力,辅助公司业务创新拓展、风险管控的重要职能和作用,对于保险公司而言是十分重要的一环。然而,在当前的中国再保险市场中,却存在着对于再保险的认知存在误区、分保方式单一经营形式粗放、再保险充足度有待提升、保险公司不同层级之间的再保险需求相互矛盾等问题,使得保险公司的再保险方案设计无法达到最优,阻碍着再保险职能的发挥,对保险公司的经营发展具有不利影响。本文从财产保险公司的角度出发,研究最优再保险方案设计的相关理论,剖析中国再保险的现状及存在问题,并在此基础上提出影响财产保险公司最优再保险方案设计的因素和最优再保险方案设计应满足的要求,理清最优再保险方案设计的具体思路。同时,为保证最优再保险方案设计实施的可行性,本文以风险种类为第一维度,从不同风险的特点出发,按照文中提出的设计思路,对于每一类风险种类的最优再保险方案设计进行研究,从而形成基于财产保险公司的整体最优再保险方案设计框架。整体方案设计研究本着贴合财产保险公司实际情况的原则,相应的实施条件易于实现,具有较高的可行性.本文的创新点在于提出了最优再保险方案设计的新思路——财产保险公司内部再保险,解决了传统再保险方案设计中无法解决的保险公司不同层级之间再保险需求存在矛盾的问题,是最优再保险方案设计的重要补充。
[Abstract]:As "insurance of insurance", reinsurance is a very important link for insurance companies to spread risk, expand the underwriting capacity of insurance companies, assist companies to innovate and expand their business, and play an important role in risk control. In the current Chinese reinsurance market, however, there are some misunderstandings about reinsurance. The reinsurance mode is extensive and the reinsurance adequacy needs to be improved. The contradiction of reinsurance demand among different levels of insurance companies makes the design of reinsurance schemes of insurance companies unable to reach the optimum, which hinders the exertion of reinsurance function. This paper, from the angle of property insurance company, studies the relevant theory of optimal reinsurance scheme design, analyzes the present situation and existing problems of Chinese reinsurance. On this basis, the factors affecting the optimal reinsurance scheme design of the property insurance company and the requirements of the optimal reinsurance scheme design are put forward, and the concrete ideas of the optimal reinsurance scheme design are clarified. In order to ensure the feasibility of the design and implementation of the optimal reinsurance scheme, this paper takes the type of risk as the first dimension, proceeds from the characteristics of different risks, and according to the design ideas proposed in this paper, The optimal reinsurance scheme design for each type of risk is studied, thus forming the overall optimal reinsurance scheme design framework based on the property insurance company. The overall scheme design study is based on the principle of matching the actual situation of the property insurance company. The corresponding implementation conditions are easy to realize and have high feasibility. The innovation of this paper is to put forward a new idea of optimal reinsurance scheme design-property insurance company internal reinsurance, It solves the contradiction between different levels of reinsurance demand which can not be solved in the traditional reinsurance scheme design. It is an important supplement to the optimal reinsurance scheme design.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.69

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