保險(xiǎn)學(xué)雙.7章2013下

第一 再保險(xiǎn)的概念與作一、再保險(xiǎn)的基本概投保（被保險(xiǎn)人賠償或給付保險(xiǎn)投保（被保險(xiǎn)人繳納保險(xiǎn)合

原保險(xiǎn)（分出公司

再保險(xiǎn)（分入公司保 再保配責(zé)任基礎(chǔ)的再保險(xiǎn)為比例再保險(xiǎn)(proportion-al非比例再保險(xiǎn)(non-proportionalreinsurance)。(underlyingretention)和分保額(amount位(exposureunit)（單位）為基礎(chǔ)確定的。（分保費(fèi)）(reinsurancepremium)為條件。比(cedingcommission)又稱分保手續(xù)費(fèi)，是由再種或。二、再保險(xiǎn)與原保險(xiǎn)比三、再保險(xiǎn)的責(zé)任其他干個(gè)險(xiǎn)人，風(fēng)險(xiǎn)證經(jīng)營(yíng)穩(wěn)定。再第二節(jié)再保險(xiǎn)的業(yè)務(wù)方一、比例再保（一）成數(shù)再保險(xiǎn)(quotashare船保ABC（二）溢額再保險(xiǎn)(excess按風(fēng)險(xiǎn)單位確定一度的自留額，以自留額的一定線－表7- 單位：萬(wàn)二、非比例再 賠付，尚有余額，從第二層開(kāi)始依次往攤賠，任額，各層費(fèi)率分別制訂，低層費(fèi)率高于費(fèi)率，因?yàn)樵绞蔷薮蟮膿p失，其發(fā)生的機(jī)率越小。國(guó)家正在探索采用事故超賠方式，在一度內(nèi)由商業(yè)保險(xiǎn)公司攤賠，超過(guò)部分由兜底賠償。賠付率＝賠款凈額/凈保%第三節(jié)再保險(xiǎn)合一、再保險(xiǎn)合同的安排方（一）臨時(shí)分保（facultativereinsurance）（二）合同/合約分保(treaty（三）預(yù)約分保（facultativeobligatory二、再保險(xiǎn)合同的基本內(nèi)第七章英Ascanbeseenintheearliertext,riskentersinallas-pectsoftheworld.Eveninsurancecompanyitselfisexpo-sedtorisk.Insurancecompanies,ofcourse,wanttoseekprotectionorbuyinsurance.ThatInsurancecompaniesinsuretheriskagainiscalledreinsurance.Whenwelookbackattheprocessofunderwriting,werealizethattheunderwriter,actingonbehalfofhiscompa-ny,istryingtoprotectthecommonpoolagainstadversehazardandensurethatareasonableprofitisreturnedfromcarryingtherisk.Havingacceptedarisk,theinsurerisrea-llyinmuchthesamepositionastheinsuredinrelationtothevariousuncertaintiesassociatedwiththerisk.Willthe-rebealossornot?Ifthereisaloss,howlargewillitbe?Theinsuredisfacedwiththeseproblemsandchosetopa-sstherisktotheinsurer.Werefertoinsuranceasarisktransfermechanism.Oneofthereasonsforthepurchaseofinsurancewasthattheinsuredwantedtoberelievedfromtheuncertaintyofloss.Buyinginsuranceprovidespeaceofmind.Theins-urancecompanyseeksthekindofsecurityandpeaceofmindandachievesthisbypurchasingreinsurance.Lookingattheinsurer’sriskinthisway,itisnosurp-risethattheythemselvesseekinsuranceprotection.Theinsurersinsuretheriskagain,whichiscalledreinsurance.Therearetwomainformsofreinsurance,facultativereinsuranceandtreatyreinsurance.Originallyallreinsura-ncewasfacultative.Thismeantthateachriskwasofferedtothereinsurerbythedirectofficeandthereinsurercoulddecidewhetherornottoacceptit.Thisinvolvedagreatdealofadministration,asyoucanimagine.Andconsequ-entlyitwascostly.Eventuallythetreatyformofreinsuranceemergedasthemostpopular.Underthisform,anagreementismadebetweenthedirectofficeandthereinsurertotheeffectthatallriskswithincertainparameterswillbeoffered(ceded)tothereinsurers.Thereinsurercannotdeclinetheriskandthedirectofficecannotselectwhichriskstoofferandwhichtoretain.Youcanseethattherearebenefitstobothparti-esinthisformofreinsurance.Thereinsurerisgivenallriskswithinthedescription,andnotjustthepoorrisksforwhichadirectinsurermaywantreinsuranceprotection.Inthisway,thereinsurergetsabroadrangeoflevelsofriskandshouldachieveareasonablebalancebetweengoodandpoorrisks.Ontheotherhand,thedirectofficehasanautomaticreinsurancefacilityanddoesnotneedtoarrangeindividualcontracts.Treatyinsuranceincludesproportionaltreatiesandnon-proportionaltreaties.Proportionaltreatiesincludequo-tasharetreatyandsurplustreaty.Andnon-proportion-altreatiesincludeexcessoflossandstoploss. 再保險(xiǎn)風(fēng)險(xiǎn)單位自留額分保額盈余傭金比例再保險(xiǎn)非比例再保險(xiǎn)溢額再保險(xiǎn)

計(jì)算 經(jīng)年終核算,當(dāng)年賠款凈額1150萬(wàn)元，凈保費(fèi)收入PutthefollowingsentencesintoChineseTreatiesandNon-proportionalUnderproportionaltreaties,thedirectofficedecideswh-atproportionaloftheriskitwantstoretainandthenagreestocedethebalancetothereinsurersundertheTheproportionalmethodsofreinsurancewereconcer-nedwithproportionsofthevaluesatrisk.Thenon-proporti-onalmethodstakeanotherviewandbasedonthe