再保险概述.综述.ppt

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1、概述---SummarizeDefinitions-定义History-历史Nature-属性Function-作用Definitions：定义WhatDoTheseWordsMean?-这些名词的意思是什么Reinsurance:再保险Aformofinsurancewherebyoneinsurer(thereinsurer)indemnifiesanotherinsurer(thereinsured)forlossesunderinsurancepoliciesissuedbythereinsuredtothepubl

2、ic.再保险又称分保，指原保险人将自己承担的部分或全部保险合同责任分给再保险人。CedingCompany:分出人APrimaryCompany:原保险人DirectCompany:直接保险公司cedant,cedent,----allknownasthe“Reinsured”----再保险分出人Cede:Whenacompanyreinsuresitsliabilitywithanother,it“cedes”business----再保，分保，；割让；让与；放弃Cededcompany:分入公司-----theCompa

3、nytowhomtheriskistransferredReinsurer:再保险人，再保险接受人----Aninsurerorreinsurerassumingtheriskofanotherundercontract.Assume：假定，承担，接受Three(Re)insuranceParties保险和再保险的当事人的关系InsuranceReinsuranceInsuredInsurerReinsuredCedingcompanyCedantReinsurerRetrocede:转分保Retrocession:Rein

4、suranceofReinsurance----转分保，分保的再次分保RetrocessionaireandRetrocedent:ThepartiestoaRetrocessionRetrocessionaire：转分接受人；Retrocedent:转分保分出人Retention:自留额Retention：自留额-----TheamountofrisknotbeingreinsuredCession：分出额-----Theportionofthesuminsuredofariskcededtoareinsurerbythe

5、Cedant.Commission：佣金-Inreinsurance,theprimaryinsurancecompanyusuallypaysthereinsureritsproportionofthegrosspremiumitreceivesonarisk.Thereinsurerthenallowsthecompanyacedingordirectcommissionallowanceonsuchgrosspremiumreceived,largeenoughtoreimbursethecompanyfortheco

6、mmissionpaidtoitsagents,plustaxesanditsoverhead.Theamountofsuchallowancefrequentlydeterminesprofitorlosstothereinsurer.Reimburse：补偿；overhead：经营管理费用ProfitCommission盈余佣金，纯益手续费-Aprovisionfoundinsomereinsuranceagreementswhichprovidesforprofitsharing.Partiesagreetoaform

7、ulaforcalculatingprofit,anallowanceforthereinsurer’sexpenses,andthecedant’sshareofsuchprofitafterexpensesFormula：公式Allowance：津贴、定量供应、允许，补助historyTheoriginsofinsuranceTheoriginsofinsurancearelostinthemistsofantiquitybutfromveryearlytimesvariousattemptsweremade,initi

8、allyinconnectionwithshipsandcargoes,toachieveaspreadingofrisk,whichisthesimplepurposeofbothinsuranceandreinsurance.mistsofantiquity：历史的迷雾Initiall