中国再保险市场供给与需求实证研究

发布时间：2018-04-03 16:47

本文选题：再保险供给　切入点：再保险需求　出处：《新疆财经大学》2013年硕士论文

【摘要】：随着社会经济的发展，风险导致的经济损失日益增大，保险公司承担的责任也越发重大，保险公司由此产生了风险转嫁、控制经营风险、保证财务稳定的需求，再保险应运而生。我国再保险市场起步较晚，存在再保险供求失衡、再保险安排不合理、再保险监管不完善等问题，这些问题的存在束缚了我国保险业的健康发展。本文的研究，旨在以解决我国再保险供求不平衡为主线，总结并借鉴发达再保险市场的经营经验，又结合我国再保险与原保险市场发展的实际，最终对促进我国再保险市场均衡发展提出了对策建议。鉴于以上研究目的，本文将主体部分的写作做了如下安排: 绪论部分对选题背景和目的、国内外研究情况以及相关研究方法进行概述。第一章中国再保险市场概述：阐述了我国再保险行业的市场情况，分析了我国再保险市场特征，简要分析了中国再保险市场存在的问题。为我国再保险市场供给与需求分析等研究提供了现实背景，起到导向性作用第二章中国再保险市场供给分析：采用规范分析方法分析了影响再保险市场供给的因素，采用定量和规范分析相结合的方法对我国再保险市场的供给主体、供给绩效及供给能力情况进行了研究。第三章中国再保险市场需求分析:这一章节运用了规范分析的方法对决定市场需求的因素进行了分析，并对我国再保险需求进行了划分，即划分为有效需求和现实需求两个方面，最后采用定量分析的方法对有效需求、现实需求以及潜在方面的需求进行了实证研究。第四章基于破产概率模型的中国再保险市场供给与需求实证分析：首先提出破产概率模型，研究自留保费方面与偿付能力相关关系，进而采用定量分析的方法对我国再保险市场的供给和需求进一步分析与研究，得出再保险需求相对供给不足及现有高自留保费额度面临着较高的风险的结论，最后对再保险需求相对供给不足的原因进行了分析。第五章促进中国再保险市场均衡发展的对策建议：本章节是在前四章的研究基础上，既有介绍发达国家再保险市场的共同特征及对我国再保险市场发展可借鉴的基本经验，又有立足于本国实际，，提出解决我国再保险市场供给与需求不平衡的问题的对策建议。
[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.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.69

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