企财险再保险模型建立研究

发布时间：2018-01-04 04:31

本文关键词：企财险再保险模型建立研究　出处：《沈阳航空航天大学》2013年硕士论文　论文类型：学位论文

【摘要】：在保险业的发展过程中，再保险是原保险人更好地规避风险的重要途径，再保险已成为保险人扩展其业务承保能力并对其进行风险管理的不可缺少的工具。在保险企业经营管理过程中，再保险安排与规划是经营决策的重要环节，关系到保险企业的业务稳定和经营收益。再保险的规划需要分出公司根据不同业务类别、风险大小、自身财务状况及市场状况，，运用各种再保险方式与方法，对自留额与转嫁的风险责任进行分析与规划。本文选取财产保险公司企财险一切险承保的企业为研究对象，针对险种承担的危险责任进行全面的风险分析，建立一种分保模型。针对不同的企业，经分保模型的筛选，判断其是否需要再保险安排及再保险方式的选择。首先，通过列举保险法、再保业务管理规定和财产保险公司再保险管理规范，明确承保业务需要分保的相关法规政策；其次，从承保企业的性质，企业所在的区域，企业的具体情况等方面分析了企财险一切险再保的风险因素，运用层级分析法建立评价体系模型；最后，本文通过实例验证所建评价体系模型的实用性和可行性。本论文主要对财产保险公司承保企财险一切险的企业进行风险分析，为保险公司的再保险安排提供帮助和支持。
[Abstract]:In the development of insurance industry, reinsurance is an important way for the original insurer to avoid risks better. Reinsurance has become an indispensable tool for insurers to expand their business underwriting capacity and carry out risk management. In the process of operation and management of insurance enterprises, reinsurance arrangements and planning is an important part of business decision-making. Related to the business stability and operating income of insurance enterprises. Reinsurance planning needs to divide out the company according to different business types, risk size, their own financial situation and market conditions, using a variety of reinsurance methods and methods. Analyze and plan the risk responsibility of self-retention and transfer. This article selects the property insurance company enterprise property insurance all risks underwriting enterprise as the research object, carries on the comprehensive risk analysis to the insurance risk liability, establishes a kind of reinsurance model, aiming at the different enterprise. Through the selection of reinsurance model, the author determines whether it needs reinsurance arrangement and the choice of reinsurance mode. First, through enumerating insurance law, reinsurance business management regulations and property insurance company reinsurance management norms. Make clear the relevant laws and regulations that underwriting business needs reinsurance; Secondly, this paper analyzes the risk factors of reinsurance from the aspects of the nature of the underwriting enterprise, the region where the enterprise is located and the specific situation of the enterprise, and establishes the evaluation system model by using AHP. Finally, this paper verifies the practicability and feasibility of the evaluation system model by an example. This paper mainly analyzes the risk of property insurance companies underwriting all risks of property insurance companies. Provide assistance and support for reinsurance arrangements for insurance companies.
【学位授予单位】：沈阳航空航天大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6;F224

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