【作者】 朱莉；

【导师】 王凤荣；

【作者基本信息】 山东大学 ， 金融学， 2010， 硕士

【摘要】 自从1970年以来,自然灾害的数量一直在增加。巨灾风险造成的巨大损失,对世界各国经济发展造成了严重的影响。世界范围内,保险人因承保巨灾风险而导致的损失呈现出不断上升的趋势。巨灾风险的频繁发生,对再保险风险分散与融资提出了新的挑战和考验,从而带来更多的再保险需求。发达国家的巨灾再保险模式正在不断地发展和完善,而我国面对巨灾风险时,则由国家财政承担了绝大部分赔偿责任,使得国家财政作为“最终保险人”不堪重负,商业保险在巨灾风险管理中发挥的作用极其有限。因此,借鉴发达国家的经验,尽快建立起适合我国国情的完备的巨灾再保险模式,对增强我国应对巨灾风险的能力,具有重要的现实意义。本文在阐述了巨灾风险及巨灾再保险理论的基础上,对巨灾再保险的传统模式和创新模式进行了分析。在借鉴发达国家的巨灾再保险模式的基础上,结合我国的实际国情,对我国应该采取的巨灾再保险模式做出了选择。从政府和商业保险公司两个角度给出了建立我国巨灾再保险模式的对策建议,并探讨了在我国财险公司内部建立多级超赔分保模式的可能性。具体从以下几方面展开：首先,对巨灾风险和巨灾再保险进行了理论概述,对全球巨灾再保险概况和我国的巨灾再保险发展演进概况进行了分析。其次,对巨灾再保险的传统模式和创新模式进行了经济学理论分析,梳理了发达国家巨灾再保险模式的经验,并进一步揭示了对我国发展巨灾再保险模式的借鉴意义。最后,结合我国的实际国情,选择了我国应该采取的巨灾再保险模式。并从政府和商业保险公司两个角度给出了建立我国巨灾再保险模式的对策建议,并探讨了在我国财险公司内部建立多级超赔分保模式的可能性。更多还原

【Abstract】 Since 1970, the number of natural disasters has been increasing. Enormous losses caused by catastrophic risk, on the economic development of countries of the world severely affected. Worldwide, insurers’losses caused by covering catastrophic risk show a rising trend. The frequent occurrence of catastrophic risk, the risk of spread of the reinsurance and financing raised new challenges and tests, leading to more demand for reinsurance. Catastrophe reinsurance model of the developed countries are constantly developing and improving, while the face of catastrophe risk in China, most of the financial commitment by the state liability, making the state finance as "the ultimate insurer" overwhelmed, commercial insurance in Catastrophe risk management is extremely limited role. So, learning the experiences of the developed countries, so as to establish conditions for our complete catastrophe reinsurance model, increase our ability to respond to catastrophic risk has important practical significance.This paper described the catastrophe risk and catastrophe reinsurance on the basis of the theory of the traditional model of catastrophe reinsurance and innovative patterns were analyzed. In borrowing from the catastrophe reinsurance model, based on the actual situation in our country, our country should be taken and made catastrophe reinsurance model selection. From the perspectives of government and commercial insurance companies are given the Establishment of catastrophe reinsurance model countermeasures, and to explore the property insurance company in China to establish multi-level excess of loss reinsurance model possibilities.Specifically in the following aspects:Firstly, catastrophe risk and catastrophe reinsurance to a theoretical overview, overview of global catastrophe reinsurance and catastrophe reinsurance development of our evolution profiles were analyzed.Secondly, Analyzed the economic theories of the traditional model of catastrophe reinsurance and the innovative model, combing the developed countries the experience of catastrophe reinsurance models, and further revealed the catastrophe reinsurance for our development model for reference.Finally, China’s actual conditions, select the country should take the catastrophe reinsurance model. And two from the perspective of government and commercial insurance companies are given the Establishment of catastrophe reinsurance model countermeasures, and to explore the property insurance company in China to establish multi-level excess of loss reinsurance model possibilities.更多还原