我国财险再保险供求与市场再造研究

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1、厦门大学博士学位论文我国财险再保险供求与市场再造研究姓名：高舜嘉申请学位级别：博士专业：保险学指导教师：林宝清20080401我困财险再保险供求与市场再造研究ABSTRACTAlongwiththedevelopmentofsocietyandeconomy,thelossescausedbyriskrisedaybydayandtheresponsibilityofinsurancecompanyincreasedtremendously．Thedemandofriskdispersingcallsfortheemergenceofreinsura

2、nce．Chinesepropertyreinsurancemarketcameintobeinglaterthanmanyforeigncountries，SOitstillliessomeproblems，suchasthedisequiliburimofpropertyreinsurancebetweenthedemandandthesupply,theirrationalityarrangementofpropertyreinsurance，theimperfectpricingmechanism，theimperfectsupervises

3、ystemofthepropertyreinsurancemarketandSOon．ThesedilemmasseriouslyrestrictthedevelopmentofChinesepropertyinsurancemarket．ThepurposeofthispaperistoproposeapossiblestrategytorebuildthepropertyreinsurancemarketofChinathroughsomemeasures，suchasequiliburimofpropertyreinsurancebetween

4、thedemandandthesupply,therationalityarrangementofpropertyreinsurance，thecompetitivepricingmechanism，theintegratesupervisesystemofthepropertyreinsurancemarketandSOon．Thearrangementofthepapertakesthefollowingways：Chapter1，“ResearchontheDemandofChinesePropertyReinsurance”．Inthisch

5、apterIempiricallystudyonthedemandanditsinfluencingfactorsofChinesepropertyreinsurance．Chapter2，“ResearchontheSupplyofChinesePropertyReinsurance'’．InthischapterIempiricallystudyonthesupplyanditsinfluencingfactorsofChinesepropertyreinsurance．Theshortageofpropertyreinsurancesupply

6、inChinaincludethreepoints，includingtheshortageofrealsupply,theshortageofsomeinsurers’virtualsupply,theshortageofwilltosupply．ThroughpointingouttheshortageofpropertyreinsurancesupplyinChina，Igiveoutthemainreasonsofthisproblemasfollow：theincompletionofprincipleparts，thelackofcapi

7、talandtechnology,theviciouscompetitionbetweenpropertyinsurancecompaniesandtheexistenceofmoralhazard．Chapter3，“TheEmpiricalStudyonSupply-demandofChinesePropertyReinsurance：ontheModelofBankruptcyProbability'’．InthischapterIempiricalstudyontheappropriatepremiumwrittenmultiplesofpr

8、opertyinsurersunderthesituationofllighclaimratio，andan