摘要
再保险是保险公司实现稳健经营和监管机构控制行业风险的必要方式。随着我国保险市场发展环境的变化和保险主体经营理念的成熟,财险公司的再保险需求也受到了实际业务的有效驱动。本文以2010-2015年我国的财险公司为研究对象,采用个体固定效应模型对财险公司再保险安排的影响因素进行实证研究。实证结果表明,保单偿付能力和承保能力对再保险安排具有显著正向影响,业务集中度和公司规模对再保险安排具有显著负向影响。本文在对研究结果分析的基础上,为我国财险公司和再保险市场的发展提出了相应的政策建议。
Reinsurance is a necessary way for insurance companies to achieve sound operation and for regulators to control the industry risk. With the change of China＇s insurance market environment and the maturity of the insurance business philosophy, the reinsurance demand of property insurance compa- nies has also been effectively driven by the actual business. This paper takes the property insurance com- panies in China for 2010--2015 years as the research object, and uses individual fixed effects model to empirically study the influencing factors of reinsurance of property insurance companies. The empirical results show that solvency and underwriting capacity have a significant positive impact on reinsurance, and business concentration and firm size have a significant negative impact on reinsurance. Based on the analysis of the research results, this paper puts forward some policy recommendations for the develop- ment of property insurance companies and the reinsurance market in china.
出处
《保险职业学院学报》
2018年第2期15-19,共5页
Journal of Insurance Professional College
关键词
财险公司
保单偿付能力
承保能力
再保险安排
Property Insurance Companies
Solvency
Underwriting ability
Reinsurance
