原保险人

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 .

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 .

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 .

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 .

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 .

在诚信原则中探讨了原保险人承担的是无限告知义务，从而区别于原被保险人所承担的有限告知义务。

There are different from the application in the principle of utmost good faith , the re-insurer undertakes the obligation of infinite inform .

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 .

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 .

从原保险人利用再保险转移风险的目的出发，本文集中讨论了均值方差原理、效用原理及夏普比率（风险收益比率）下的再保险最优化模型，三种原理的含义、基本思想及所适用的条件。

With the perspective of risk transferring , this thesis focuses on discussing the reinsurance optimization model under mean-variance principle , utility theory and sharpe 's ratio , their meanings , basic ideas and conditions applicable .

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 .

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 .

除合同另有约定外，原被保险人不得享有再保险的利益。

Unless otherwise agreed in the contract , the origional insured shall not be entitled to the benefit of the reinsurance .

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 .

再保险作为保险法的重要组成部分，具有分散风险、提高保险公司承保能力、更好地保护原被保险人的作用。

As an important part of insurance law , re-insurance has three functions . Firstly , it can spread risks . Secondly , it can improve underwriting capacity of insurance companies . Tirdly ; it can protect the interest of the original role of the insured person .

概念：原保险是指保险人与投保人最初达成的保险。

Concept : primary insurance is the insurance that shows underwriter and policy-holder are reached at first .

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 .

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 .