企财险再保险模型建立研究.pdfVIP

摘 要 在保险业的发展过程中，再保险是原保险人更好地规避风险的重要途径，再保险已 成为保险人扩展其业务承保能力并对其进行风险管理的不可缺少的工具。在保险企业经 营管理过程中，再保险安排与规划是经营决策的重要环节，关系到保险企业的业务稳定 和经营收益。再保险的规划需要分出公司根据不同业务类别、风险大小、自身财务状况 及市场状况，运用各种再保险方式与方法，对自留额与转嫁的风险责任进行分析与规划。 本文选取财产保险公司企财险一切险承保的企业为研究对象，针对险种承担的危险 责任进行全面的风险分析，建立一种分保模型。针对不同的企业，经分保模型的筛选， 判断其是否需要再保险安排及再保险方式的选择。首先，通过列举保险法、再保业务管 理规定和财产保险公司再保险管理规范，明确承保业务需要分保的相关法规政策；其次， 从承保企业的性质，企业所在的区域，企业的具体情况等方面分析了企财险一切险再保 的风险因素，运用层级分析法建立评价体系模型；最后，本文通过实例验证所建评价体 系模型的实用性和可行性。本论文主要对财产保险公司承保企财险一切险的企业进行风 险分析，为保险公司的再保险安排提供帮助和支持。 关键词：企财险；风险分析；再保险；AHP ；再保险模型； I Abstract In the present property insurance, reinsurance is the direct insurance business management important links and management content, because it is property insurance contractor to expand its business accepting insurance capacity and carries on the risk management of the indispensable tools. In the insurance business management process, reinsurance arrangements and planning is an important link of the management decision, and relates to the insurance enterprise business stability and operation income. Reinsurance planning need ceding company use all kinds of reinsurance way and the method, according to different type of business, their financial situation and market status, the retention and shifting risk responsibility to carry on the analysis and planning. This article that selects the property insurance company enterprises all risks insured enterprise as research object, in view of the danger of planted assume responsibility for the comprehensive risk analysis, establishes a reinsurance model. According to different enterprise, this model could judge whether the