我国再保险市场供求结构变迁及其动因

独家政策性经营模式导致我国再保险市场险种结构较为单一，市场供求结构不平衡，这种不平衡抑制了我国民族再保险业的发展。通过构建非对称信息条件下的委托代理理论模型发现，在开放的市场化条件下，原保险公司和再保险公司之间必须在收益和风险之间加以取舍，再保险公司只有根据风险的大小合理设计个性化的再保险产品，科学界定保险费分出和自留的界限，才能不断增强承保能力，在市场竞争中取胜。

The existence of the sole policy reinsurance operational model led to limited reinsurance product variety in China and imbalance of demand and supply, which hindered development of China＇s reinsurance industry. It is revealed by establishing a proxy agency theoretical model under a situation of information asymmetry that in an open and market-directed environment, the primary insurance company and the reinsurer must trade off between risk and return. Reinsurance companies will continue to enhance their underwriting capacity and succeed in competition only if they design individualized reinsurance products according to the level of risks and scientifically decide on the amount ceded and the level of retention.