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分保
    Proportional reinsurance composed of quota share reinsurance and surplus reinsurance.
    比例再保险又分为成数分保方式和溢额分保方式。
    Reinsurance, also called cession, is the transaction between insurance companies who sign a cession treaty on a basis of primary insurance contract, thus transferring part of risks and liabilities from one insurer to another.
    再保险也称分保,是保险人在原保险合同的基础上,通过签订分保合同,将其所承担的部分风险责任向其他保险人进行保险的行为。 随着社会经济和科学技术的不断发展,社会财富的日积月累,保险人承担的责任越来越大,其保险经营所面临的风险也不断增加。
    Proportional reinsurance came first and quota share is its traditional and typical kind.
    原保险人通常都不规定交付分保佣金。 从这一点上讲,比例再保险更多的体
    Which means that 20 percent legal reinsurance share will be cancelled in 2006.It is quite a challenge for China's reinsurance market .
    这意味着到2006年,20%的法定分保业务将完全取消。 这对主要依靠法定再保险业务生存的中国再保险公司的冲击是可想而知的。
    Reinsurance operation, especially the scientific arrangement of ceding business is of great importance to insurance company.
    在这样的背景下,特别是在保险还远远滞后于西方发达国家的情况下,再保险的经营,尤其是科学的分保安排显得至关重要。
    fourth, risks that come from reinsurance;
    四是由于自留风险过高、再保险人选择不当而带来的分保风险;
    Since our country has entered the WTO, statutory reinsurance will debase at the rate of 25% per year and be cancelled at 2006. The researches about reinsurance are much accounted, especially the Optimal Reinsurance Problem (ORP).
    按照我国加入WTO对保险业的承诺,从2002年开始,法定分保将逐年降低,直至2006年完全取消,这对保险公司的再保险意识、方式及各方面都有了更高的要求。
    Besides this, it is also to table some proposals on reinsurance regulation: drawing up reinsurance contract law, fortifying the regulation of commercial reinsurance, improving examination and approval of re-insurer, corroborating the rights of subrogation of re-insurer.
    同时,针对我国再保险法律监管的薄弱环节提出,在完善现有的再保险法律法规的基础上,制定专门的再保险合同法、加强商业分保监管、完善再保险准入机制、明确再保险人代位求偿制度、弱化再保险立法行政化趋势的立法建议。
    This article intends to discuss the legal reinsurance clauses and others in the laws, and then gives some advise about their amendment.
    本文就再保险法律规范中有关自留额、法定分保等需要修缮的条款提出了修正建议。
    The insurance has been undertaken jointly by the three famous insurance companies in China, and it has been reinsured and co-insured by the reinsurance companies at home and abroad.
    最后选定国内著名的三家保险公司共保 ,并由国内、外再保险公司进行分保和再保。
    Reinsurance industry development c an be strengthened by accelerating d evelopment of commercial multiple i nsurance branches,giving efficiently free r ein to function of compensation of excess debt,speeding up cultivation o f brokers team of reinsurance in-dustry,strengthening business man agement of reinsurance,utilizing Hi -technology to lower the cost and organizing experts network of in-dustry.
    中国在加入世界贸易组织(WTO)后保险业开放的进度表中,对外国再保险公司进入设立的门槛降低,故应加快商业分保发展,充分发挥超额赔款的功效,加快培育再保险经纪人队伍,加强再保险业务监管,并利用高新技术降低成本,组建行业专家网络,以强化再保险业的发展。
    At present, insurance company generally use claim ratio under cash basis of accounting. Many factors will affect it, including growth rate of business, expense ratio and status of reinsurance.
    目前各保险公司普遍使用收付实现制下的赔付率,它受业务增长率、费用率及分保状况等多种因素影响。
 

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