【作者】 邱七星；

【导师】 林宝清；

【作者基本信息】 厦门大学 ， 金融学， 2008， 博士

【摘要】 再保险市场作为保险市场的重要组成部分,与直接保险市场相互依存、相互促进。直接保险市场的发展是再保险市场发展的基础和前提,再保险市场的发展也将在资本融通、风险管理和技术传导方面,为直接保险市场的发展提供可靠的支持与保障。积极借鉴国际再保险市场发展的经验,加强和改善再保险监管,科学规划和培育我国再保险市场,构建一个公平竞争、有序发展的与国际再保险市场接轨的再保险市场体系,促进我国再保险市场与直接保险市场的协调发展,对于加强我国保险市场风险管理、扩大保险市场承保能力、促进和保障我国保险业整体实现又好又快发展、确保保险业“十一五”规划所确定的总体目标的实现,具有非常重要的意义。本文综合运用规范分析与实证分析相结合、理论分析与历史分析相结合、定性分析与定量分析相结合等多种研究方法,对我国再保险市场的科学发展进行较全面和较深入的分析。本文除导论外,共由五章组成。各章的主要内容分述如下:第一章,再保险及再保险市场概述。在此章中,首先阐述再保险的概念、功能、种类以及起源与发展;其次分析了再保险市场的概念及形成条件,以欧洲、纽约、伦敦等为代表的国际再保险市场,并对其特点进行概括,对以后各章中国再保险市场的研究进行基本的理论准备和国际市场背景概述。第二章,我国再保险市场发展的历史与现状分析。在此章中,通过对建国以后再保险市场发展的萌芽、初步形成及发展等几个阶段的分析,对我国再保险市场的发展作出总体评价,阐述了中国再保险市场发展的现状并指出存在的如再保险市场有效供给不足、再保险市场监管的法律制度不健全、再保险市场技术服务水平落后、再保险中介市场尚未建立等主要问题,为我国再保险市场发展的需求与供给分析等研究提供历史基础和国内的现实背景,并起到导向性作用。第三章,我国再保险市场发展的需求与供给分析。本章从中国再保险市场需求与供给的现状分析入手,分析了中国再保险市场需求、供给、技术、国际合作等多个层面的前景,在此基础上对我国再保险市场的供求进行定量分析。在定量分析部分,本文从单期估值模型下的再保险需求开始分析,接着分别分析了再保险人为风险偏好型和风险中性型的前提下再保险市场的供求均衡模型,以此为基础推导出再保险市场供求均衡条件下的供给模型,最后对再保险供给的最优数量进行了理论分析。第四章,我国再保险经纪人市场发展问题研究。该部分是从中国再保险市场发展的中介层面来展开研究的。在此章中,首先从交易成本理论角度来阐述发展再保险中介的理论基础:接着对保险经纪公司作用从经济学角度予以简释,同时介绍了商业保险经纪公司的主要业务模式。在对再保险经纪人的作用、种类及运作进行阐述后,对我国再保险经纪人市场发展现状进行简要分析,并对我国再保险经纪人市场的发展提出了较为具体的建议与对策。第五章,中国再保险市场发展的监管层面研究。本章首先简要回顾了中国再保险监管制度的发展历程,并对国际上三种再保险市场监管模式(英国式、法国式、德国式)进行较深入的分析,阐述了国际再保险监管模式发展的趋势及其启示。在此基础上,根据中国再保险市场监管的现状以及所存在的问题,对影响中国再保险市场监管制度选择的因素从内部与外部的角度进行分析,提出了中国再保险市场监管模式的新思路:即在当前一段时间内严格的市场行为监管,逐步过渡到合规的适度监管模式,或者说从直接监管过渡到间接监管并最终实现再保险市场监管的间接化。本文的创新之处主要体现在以下几个方面:第一,从多个角度采用系统的观点对中国再保险市场的发展进行研究,所选取的研究视角较新;第二,从定性与定量角度对中国再保险市场的需求与供给进行分析;第三,从微观、中观到宏观,对我国再保险市场发展的中介制度模式和监管制度模式进行较深入的探讨。更多还原

【Abstract】 Being an important component of the insurance market, the reinsurance market has been interdependence and mutual promotion with the direct insurance market. the development of the direct insurance market is the foundation and prerequisite for the development of the reinsurance market, The development of reinsurance market will provide a reliable support and protection for the development of reinsurance market in the capital intermediation, risk management and technology transfer. Actively learn from the international reinsurance market development experience, Strengthen and improve the supervision of reinsurance, Scientific Plan and foster the China’s reinsurance market, Construct a reinsurance market system which is fair competition , orderly development and in connection with the international reinsurance market, Promote the coordinated development of China’s reinsurance market and direct insurance market, which has very important significance for strengthening the risk management of China’s insurance market, expanding the underwriting capacity of the insurance market, promoting and protecting China’s insurance industry as a whole to achieve good yet fast development, ensuring that the overall goal established by the "11th Five-Year Plan" can be achieved.The thesis is built upon a theoretical framework of reinsurance market institutional innovation through integration of criterion and demonstration analytical methods, academic and historical analytical methods, qualitative and quantitative analytical methods, and analyses comprehensively and in-depth the institutional innovation of Chinese reinsurance market. In addition to the introduction, the thesis has five chapters with the following contents:Chapter one focuses on the overview of the reinsurance and reinsurance market. Firstly, this chapter elaborates the concept, functions, types, as well as the origin and development of the reinsurance. Secondly, this chapter makes an Analysis the concept and forming conditions of the reinsurance market, the reinsurance market in Europe, New York, London, as the representative of the international reinsurance market, and makes a summary of its characteristics, which provides the basic theoretical background and the international market overview for the research on China’s reinsurance market in subsequent chapters.Chapter two focuses on the analysis of the history and current situation about China’s reinsurance market development. This chapter makes an overall evaluation of China’s reinsurance market development through the analysis of several stages such as the seeds, the preliminary formation and the development of the reinsurance market after the founding. And this chapter elaborates the current status of China’s reinsurance market development and point out some major issues such as lack of effective supply in the reinsurance market, imperfect supervision legal systems of the reinsurance market, backwardness technical services to the insurance market and the reinsurance intermediary market has not yet been established.Chapter three focuses on the demand and supply analysis of China’s reinsurance market development. This chapter makes an analysis of several aspects of prospects of the demand, supply, technology, international cooperation of China’s reinsurance market from the Present situation analysis of the demand and the supply of China’s reinsurance market. This chapter starts to analyze from the demand of reinsurance under the single-period valuation model, then makes a distinction analysis of the supply and demand equilibrium model under the premise of the reinsurances are risk preference and risk-neutral, under this basis it derives the supply model under the conditions of the supply and demand is equilibrium in the reinsurance market. Finally, this chapter makes a theoretical analysis of the optimal number of the supply of reinsurance.Chapter four focuses on the study of development of China’s reinsurance broker market, that part launches the research from the intermediary dimension of China’s reinsurance market development. Firstly, this chapter elaborates the theoretical foundation of the development of reinsurance intermediaries from the perspective of the transaction cost theory. Then this chapter releases the role of the insurance brokerage company from the perspective of economics, at the same time it introduces the main business model of the commercial insurance brokerage company. After the elaboration of the roles, the types and the operation of the reinsurance brokers, this chapter makes a brief analysis of the status quo of the development of China’s reinsurance brokers market. Finally, it makes some specific recommendations and Countermeasures about the development of China’s reinsurance brokers market.Chapter five focuses on the research of the development of reinsurance market regulation. This chapter reviews the development of Chinese reinsurance market regulation, analyzes three different regulatory models (British, French and German) in the international market, and describes the trends as well as revelations from the development of international reinsurance regulatory models. Then, based on the status of existing Chinese reinsurance market regulation and its problems, the chapter analyses the internal and external factors that affect reinsurance market regulation institution and puts forward new thoughts on the future reinsurance market regulatory model i.e. continue direct regulatory control on the market behavior for some time, then gradually transit to moderate regulatory control, and eventually to indirect regulatory control on the reinsurance market.In this paper, the main innovations embodied in the following aspects: Firstly, this paper conducts studies on the development of China’s reinsurance market under the systemic viewpoints from several perspectives, and it selects a new perspective to study; Secondly, this paper makes a demand and supply analysis of China’s reinsurance market from the perspective of the qualitative and quantitative; Thirdly, this paper makes a more in-depth study on the system model of intermediary and regulatory of China’s reinsurance market development from microscopic, intermediate perspective to macroscopic.更多还原