再保险人

作为保险人，而不像欧洲其他国家一样，作为再保险人运作。

The operation of o.i.n.c.as insurer and not as reinsurer as in other European countries .

再保险人要承担原保险人总钱数的一部分。

The reinsurer agrees to accept a portion of the gross line of the direct writer .

本港共有28个专业再保险人，当中包括世界大部分首屈一指的再保险人。

Professional reinsurers numbered 28 , including most of the top reinsurers in the world .

首先，在主体部分介绍了原保险人和再保险人的不同类型。

Firstly , the main terms of the re-insurance contract is different from the original insurance contracts .

承保人与代理人、经纪人、客户、再保险人、银行和理赔人员等生态系统合作伙伴交互。

The insurance carriers interact with the ecosystem partners like agents , brokers , customers , reinsurers , banks , claim adjusters , and so on .

在实务中，再保险人为了控制风险，往往会要求所承保风险的额度不能太大，而且风险的平均值也不能太高。

In practice , in order to control risk , the reinsurer require that the risk limits covered can not be too large , and the average risk not too high .

如果一笔大额索赔导致原保险人需要向再保险人摊回赔款，但此时再保险人偿付能力不足，原保险人，而不是被保险人，将不得不承担这额外的损失。

If a large claim resulted in a primary insurer looking for reimbursement from an insolvent reinsurer , the primary insurer would have to bear the additional loss , not the original insured .

国际保险和再保险中间人协会他再一次把手伸到放电和屏幕中间。

International Association of Insurance and Reinsurance Intermediaries Once again he put his hand between the discharge tube and the screen .

托收手续费；（保险经纪人）代收赔款手续费再保险接受人应当根据相关再保险合同的约定，计算确定分保费收入金额。

The reinsurance acceptor shall , according to the provisions of the relevant reinsurance contracts , calculate and determine the amount of reinsurance premium income .

提供贷款通常也带来不偿还贷款的风险。原保险的被保险人或者受益人，不得向再保险接受人提出赔偿或者给付保险金的请求。

The insured or the beneficiary of the direct insurance shall not claim for the indemnity or payment of the insurance benefits from the reinsurer .

再保险分出人不得以再保险接受人未履行再保险责任为由，拒绝履行或者迟延履行其原保险责任。

The ceding insurance company shall not decline or delay fulfilling its obligation of the direct insurance on the basis that the reinsurer fails to fulfill the reinsurance obligation .

应再保险接受人的要求，再保险分出人应当将其自负责任及原保险的有关情况告知再保险接受人。

When requested by the reinsurer , the ceding insurance company shall inform the reinsurer of the ceding insurance company 's retained liability and all relevant information with respect to the direct insurance .

再保险分出人应当在资产负债表日调整原保险合同未到期责任准备金余额时，相应调整应收分保未到期责任准备金余额。

When the cedant adjusts the balance of the unearned premium reserve of the original insurance contract on the balance sheet date , it shall adjust the amount of the receivable reinsurance unearned premium reserve accordingly .

原保险的被保险人或者受益人，不得向再保险接受人提出赔偿或者给付保险金的请求。进行再保险，可以分散保险人的风险，有利于其控制损失，稳定经营。

The insured or the beneficiary of the direct insurance shall not claim for the indemnity or payment of the insurance benefits from the reinsurer . Undertake reinsurance , the risk of OK and dispersive underwriter , be helpful for its controlling a loss , stability is managed .

保险人可以将对前款保险标的的保险进行再保险。投保人故意虚构保险标的，骗取保险金的；

Policy holder intentionally fabricates insurance object to deceive insurance money ;

再保险是保险人分担危险、转嫁危险的一种方法。

Reinsurance is a device whereby insurers can do the risk sharing and risk transferring .

如保险人将其风险再保险，保险人不必发送委付通知。

Where an insurer has re-insured his risk , no notice of abandonment need be given by him .

该章分析了保险代位权的成立、行使条件、行使限制等。第3章分析了保险代位在几种特殊保险中应用，包括责任保险，保证保险，再保险，以及人身保险。

This chapter analyzes the right of insurance subrogation is established , the exercise conditions , exercise restrictions , and the application of the right of insurance subrogation in some special insurance .

这三种基本险是平安险、水渍险和一切险。再保险是保险人分担危险、转嫁危险的一种方法。

The three basic risks are Free from Particular Average ( F.P.A. ), With Particular Averaged ( W.P.A. ) and All Risks ( A.R. ) . Reinsurance is a device whereby insurers can do the risk sharing and risk transferring .

再保险也为再保险人自己创造利益，使再保险人不需要向公众推销产品也能从保险经营中获利。

Reinsurance works for the benefit of the reinsurer , allows it to profit from the insurance transaction without necessarily marketing a product to the public .

其中本文讨论的财务再保险是原保险人财务管理的新的方式，巨灾保险衍生性产品是原保险人转移巨灾风险的新的方法。

Financial reinsurance is a kind of new way that an original insurer carries on the financial administration , The insurance derivative products of catastrophe are new method that an original insurer shifts the catastrophe risk .

比例再保险是原保险人与再保险人，即分出人与分入人之间订立再保险合同，按照保险金额，约定比例，分担责任。

Scale reinsurance is original underwriter and reinsurance person , divide a person and cent to enter namely conclude between the person reinsurance contract , according to insurance amount , make an appointment with certainty ratio , partake responsibility .

再保险合同为原保险人与再保险人以分担危险为共同目的之合伙合同。

Reinsurance contract is original underwriter and reinsurance person the partnership contract that with partaking danger is common goal .

财务再保险作用突出，通过它原保险人可将部份风险转嫁给再保险人，将相关费用确认为再保险交易支出，这样能使风险得到有效分散。

Financial reinsurance has a prominent role when primary insurers could pass on part of the risk to re-insurers , recognizing related expenses as transaction costs under re-insurance , which effectively spread the risk .

再保险为保险消费者带来利益，因为原保险人得到了再保险人的财务支持。

Reinsurance works for the benefit of consumers , since the financial strength of the reinsurer is added to the primary insurer .

原保险人也可利用财务再保险将实质上不具风险性的负债转移给再保险人，进而降低原保险人负债比率，改善报表，提高财务综合指数。

Taking advantage of financial insurance , primary insurers can shift to re-insurers the Non-performing loans that virtually carry no risks , thus lowering the debt ratio , improving reporting as well as financial composite index .

并针对目前再保险实务中存在的争议，如不利解释原则的适用、再保险人的代位求偿权、原被保险人的直接请求权等问题进行了分析。

After these , it assays some controvertial issues such as the application doctrine of unfavorable explanation in reinsurance contract , the rights of subrogation of re-insurer , the proximate amends request of insured in insurance contract .

第五章讨论了停止-损失再保险的最优性，然后利用最小叉熵原理建立优化模型，求出了再保险人保费的上下界。

Chapter 5 . Discussions on the optimization of stop-loss reinsurance are given firstly , and then utilizing the minimum cross-entropy principle , optimization model is established , and the upper and lower bounds of the stop-loss premium are given .

针对停止损失再保险（stoplossreinsurance），分别运用均值&方差（mean-variance）保费定价原理及效用理论（UtilityTheory），在再保险人总索赔额的基础之上推导出最优再保险（optimalreinsurance）的保费定价模型。

Aiming at stop loss reinsurance , this paper derives optimal pricing model of reinsurance on the basis of total claim amount using mean-variance premium principle and utility theory .