第三节风险自留新新跟再保险实务探讨
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approx. 2%
2,000,000/300,000,000 0.67% (approx. 2%)
Net retention/Liquid funds approx. 5% Net retention/Capital plus loss reserves approx.1%
Net retention/Retention
2. Insurance portfolio ””
100%
3.
1 Retention levels , International Reinsurance Course, Mercantile & General 1991 p.1
n Portfolio
n
n
n 147
n
Per
event
Per risk
2003 7
11
11
Capacity reinsurance)
(Retention)
(Partial
3.1
Unit risk
(Quota Share Reinsurance)
(Surplus Reinsurance)
3-1
(
)
Voyage policy
3-1 Time policy
Free reserve s
1
1.
2
2 Swiss Re, Designing property reinsurance programmes /The pragmatic approach, 1999
WXL (Working XL)
n
Net capacity
GNPI/Capital plus loss reserves approx. 50%
Net premiums/Gross premiums
300,000,000/330,000,000 91%
15%
15%
10
Net capacity/Net premiums
12,000,000/300,000,000 4%
10%
10%
n
(Net retention)
Net retention/GNPI
2,000,000/12,000,000 16.7%
approx.5%~25%
(5%~25%)
50 %- 60 % 500
3
…
4
39
5
(Law of Average)
55
6 7
Baidu Nhomakorabea 8 9
3-1
10
(Surplus/Excess of Loss, Ouota Share/Excess of Loss, Combined Quota Share and Surplus/Excess of Loss)
(Excess of Loss/Quota Share)
Bouquet
Whole Account Cover
Treaty Reinsurance
Facultative Reinsurance Open Cover
5%
a.
(Underwriting Capacity)
b.
c.
Cover
Facultative Obligatory