中国中小型财产保险公司再保险分出安排对经营影响的实证研究

再保险业务是中小型财产保险公司经营的重要内容,再保险业务的合理安排可以对公司的稳健运营有着重要意义。中小型财产保险公司与大型财产保险公司有着很多不同之处,市场优势不明显,因此再保险的分出安排显得尤为重要。本文通过构建模型,分析分保比例与偿付能力充足率之间的关系,探究再保险分出业务对经营的影响,并对中小型财产保险公司进行聚类分析,将中资的中小型财产保险公司分为两类,分类探究再保险业务对其经营的影响程度,得出分保比例对偿付能力充足率确实有一定影响的结论。

Reinsurance business is an important content in the small or mid--sized property insur- ance companies. Reasonable arrangement of reinsurance business can have important meaning for the company＇s steady operation. Small or mid--sized property insurance companies and large property insur- ance companies have a lot of differences, their market advantages are not obvious, so it is particularly important for reinsurance ceding. This paper builds a model to analyze the relationship between reinsur- ance and solvency adequacy ratio, exploring the influence of ceded business on management. Through cluster analysis, the paper classifies these companies into two categories and draws a conclusion that the proportion of insurance does have a certain influence on the solvency ~d^n,~ ＊;~