论文部分内容阅读
中国保监会近期颁布的《中国再保险市场发展规划》明确指出,要加快建立巨灾和农业风险保险体系,充分发挥再保险的社会管理职能,有效保障社会安全,促进和谐社会发展。与一般保险不同,由于巨灾和农业保险在经营原则、保费结构以及保险条件等方面具有特殊性,因此对保险公司的资本实力提出更高的要求。经验结果表明,国际上大的再保险公司往往是巨灾和农业保险的主要组织者和承担者,因此,建立多层次风险转移分担机制,完善以再保险为核心的巨灾和农业保险体系,是解决我国巨灾和农业风险可保性的重要基础。
The “China Reinsurance Market Development Plan” recently promulgated by the CIRC clearly states that it is necessary to speed up the establishment of a catastrophe and agricultural risk insurance system, give full play to the social management functions of reinsurance, effectively guarantee social security and promote the development of a harmonious society. Different from general insurance, the catastrophe and agricultural insurance have higher requirements on the capital strength of insurance companies due to their particularity in operating principles, premium structure and insurance conditions. The empirical results show that large international reinsurance companies are often the main organizers and undertakers of catastrophe and agricultural insurance. Therefore, establishing a multi-level risk transfer sharing mechanism and improving the catastrophe and agricultural insurance system with reinsurance as the core is the solution An important foundation for the protection of catastrophe and agricultural risks in our country.