再保险——ZLX老师讲义分析.docVIP

Principles and Practice of Reinsurance Instructor Zeng Lixin Lecture One Introduction to Reinsurance I Concept of Reinsurance The transaction whereby the reinsurer, for a consideration (premium), agrees to indemnify the ceding company against all or part of the loss that the latter may sustain under the policy or polices which it has issued. (CPCU 141 P2) 书上定义: 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 exposure covered by the primary insurer’s policies. Insurance for insurers PRC《保险法》第二十九条规定，“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。” 再保险合同并不改变原有的insured和primary insurer之间的权利义务关系。 Some Definitions Reinsurer: The insurer that assumes all or part of the insurance risk from the primary insurer. Reinsurance premium: The consideration paid by the primary insurer to the reinsurer for assuming some or all of the primary insurer’s insurance risk. Primary insurer: The insurer that transfers or cedes all or part of the insurance risk it has assumed to another insurer. (primary insurer=ceding company=cedent=direct insurer) 一个公司可以同时作为分出公司和分入公司 Insurance risk: Uncertainty about adequacy of insurance premiums to pay losses. Retention: The amount of insurance risk the primary insurer retains and that is not ceded to the reinsurer. (可以百分比形式或数额形式表示) Retrocession: A reinsurance agreement whereby one reinsurer (the retrocedent) transfers all or part of the reinsurance risk it has assumed or will assume to another reinsurer (the retrocessionaire). Retrocedent: The reinsurer that transfers or cedes all or part of the insurance risk it has assumed to another reinsurer. Retrocessionaire: The reinsurer that assumes all or part of the risk accepted by another reinsurer. Risk: Uncertainty about the occurrence of a loss. In reinsurance, the term risk often r