The Research On Regulation Of Finite Risk Reinsurance

The Finite risk reinsurance can well replenish traditional reinsurance which is able to realize the various targets for insurers to meet their needs .The trend of applying it broadly is obviously. Simultaneously, only standard and scientific regulation in operating finite risk reinsurance can avoid handling loss to investor, the insured etc. Thus, it can ensure the insurance market in a stabilized and developmental condition. Just because of those meanings in reality, this assay combines with the current situations of the application of finite risk reinsurance and of the supervision be in the exploration stage in our country, this thesis is to try to provide the really effective suggestions or scheme which is about the frame of regulation for us.It also is the research purpose of this thesis.This thesis is analyzing firstly the general theories of reinsurance and finite risk reinsurance regulation, and then explaining the effect and meaning of regulation in applying finite risk reinsurance to reinsurance marketplace. At the same time,it lies in foreshadowing for the following chapter to establish the direction of regulation. As one of alternative risk transfer products, finite risk reinsurance can optimize the structure of balance sheet, improve the solvency margin, effectively deduce the wave of finance result to balance the income of every period, etc. However, when we adopt this kind of reinsurance, it also can create the risks in opportunities for abuse. This thesis begins with analyzing the essence and effect of finite risk reinsurance and taking HIH & Hannover transactin as a real example, and then reachs the inside and outside factors for abusing finite risk reinsurance. And then the thesis expounds the questions which we will meet when the finite risk reinsurance uses in our country. Then it summarizes experiences of international regulation in finite risk reinsurance and reach an enlightenment for us. Fall finally, the last chapter established the direction of regulation. According with the condition of applying the finite risk reinsurance in our country, this thesis try to structure the regulatory frame of finite risk reinsurance in our country.