对人身险再保险在寿险公司风险管理中应用的探讨

Discussion on the Life Reinsurance in the Risk Management of Life Insurance Company

随着人身保险业务的不断发展,寿险公司面临非正常死亡风险、长寿风险、利差风险和特别承保风险。人身险再保险是寿险公司转移风险、防止责任累积过大的风险管理工具之一,主要分为比例再保险、非比例再保险和财务再保险三种类型。寿险公司应通过科学确定自留额、选择合适的分保方式、谨慎采用财务再保险来安排人身险分保。

Life insurance companies are facing with abnormal risk of death,longevity risk,interest rate risk and special underwriting risk in business development.Life reinsurance is one of the risk management tools to transfer risk and prevent the accumulation of over-responsibility for risk,which consists of proportional reinsurance,non-proportional reinsurance and financial reinsurance.Life insurance companies should arrange the life insurance by determining the proper retention,selecting the appropriate reinsurance method and carefully using of financial reinsurance.