对外经济贸易大学：《财产与责任保险》课程教学资源（PPT课件讲稿）第五章 再保险

财产与责任保险第五章 再保险

财产与责任保险第五章 再保险

第一节再保险概述 再保险的基本概念 二、再保险与原保险、共同保险的比较 再保险的分类 四、再保险的职能

第一节 再保险概述 一、再保险的基本概念 二、再保险与原保险、共同保险的比较 三、再保险的分类 四、再保险的职能

再保险的基本概念 Reinsurance is "insurance for insurers 《中华人民共和国保险法》(以下简称《保险法》 第二十八条指出:“保险人将其承担的保险业务, 以分保形式部分转移给其他保险人的,为再保险

一、再保险的基本概念 • Reinsurance is “insurance for insurers”. • 《中华人民共和国保险法》（以下简称《保险法》） 第二十八条指出：“保险人将其承担的保险业务， 以分保形式部分转移给其他保险人的，为再保险

、再保险的基本概念 在再保险交易中 >分出业务的公司称为原保险人( original insurer)或分 出公司( ceding company) 接受业务的公司称为再保险人( reinsurer),或分保 接受人或分入公司( ceded company) 如果分保接收人又将其接受的业务再分给其他保险人, 称为转分保( retrocession)或再再保险,双方分别称 为转分保分出人和转分保接受人

一、再保险的基本概念 在再保险交易中： ➢ 分出业务的公司称为原保险人（original insurer）或分 出公司（ceding company） ➢ 接受业务的公司称为再保险人（reinsurer），或分保 接受人或分入公司（ceded company）。 如果分保接收人又将其接受的业务再分给其他保险人， 称为转分保（retrocession）或再再保险，双方分别称 为转分保分出人和转分保接受人

Reinsurance Transaction The Primary Insurer The reinsurer The Ceding Company The Ceded Company The Cedant The assuming Company The reinsured The direct insurer The Origi nal Insurer

Reinsurance Transaction The Primary Insurer The Ceding Company The Cedant The Reinsured The Direct Insurer The Original Insurer The Reinsurer The Ceded Company The Assuming Company

Definition The reinsurance Association of America (RAa) Reinsurance is the transfer of insurance risk from one insurer to another through a contractual agreement under which one insurer(the reinsurer) agrees, in return for a reinsurance premium to indemnify another insurer(the primary insurer) for some or all of the fin nancial consequences of certain loss exposures covered by the primary insurer’ s policies.” 潘透价影手

Definition • The Reinsurance Association of America(RAA): “Reinsurance is the transfer of insurance risk from one insurer to another through a contractual agreement under which one insurer (the reinsurer) agrees, in return for a reinsurance premium, to indemnify another insurer (the primary insurer) for some or all of the financial consequences of certain loss exposures covered by the primary insurer’s policies

Definition General re: "Reinsurance is a contract of insurance whereby one insurer (called the reinsurer or assuming company) agrees, for a portion of the premium, to indemnify another insurer(called the reinsured or ceding company) for losses paid by the latter under insurance policies issued to its policyholders 价贸易大学

Definition • General Re: “Reinsurance is a contract of insurance whereby one insurer (called the reinsurer or assuming company) agrees, for a portion of the premium, to indemnify another insurer (called the reinsured or ceding company) for losses paid by the latter under insurance policies issued to its policyholders

Retrocession Retrocession Reinsurers may transfer part of the liability they have accepted in reinsurance agreements to other reinsurers Retrocedent and retrocessionaire 价贸易大学

Retrocession Retrocession: Reinsurers may transfer part of the liability they have accepted in reinsurance agreements to other reinsurers. Retrocedent and Retrocessionaire

nsurance Policyholder Risk Insurance co Insured Insured Underlying Insured Reinsurance Risk Reinsurer Insurance co Assuming Ceding Co Co eden Primary insurer Retrocession Risk Reinsurer R insurer Retrocessionaire Retrocedent

、再保险的基本概念 原保险人应向再保险人支付分保费或再保险费; 再保险人应向原保险人支付分保佣金( reinsurance commission)或分保手续费以补偿其业务招揽成本 再保险人获得盈利时,按合同规定额外支付给原保险 人的报酬或奖励,称为盈余佣金或利润手续费( profit commission)

一、再保险的基本概念 • 原保险人应向再保险人支付分保费或再保险费； • 再保险人应向原保险人支付分保佣金（reinsurance commission）或分保手续费以补偿其业务招揽成本 • 再保险人获得盈利时，按合同规定额外支付给原保险 人的报酬或奖励，称为盈余佣金或利润手续费（profit commission）