Research On The Design Of Optimal Reinsurance Scheme Based On Property Insurance Company

Reinsurance is the insurance of insurance,with the function of risk diversification,expanding the insurance company's underwriting capacity,supporting the company's business development and risk management.Therefore,reinsurance is a very important part of the insurance company.However,there are some problems exists in the current Chinese reinsurance market.For example,there always exist misunderstanding of the reinsurance,a single form of reinsurance Scheme,Extensive management,the adequate degree of reinsurance need to be improved,the requirement of reinsurance from different levels of insurance company are contradictory and so on.These problems may lead to the reinsurance scheme's deficiency,which could hinder the realization of the reinsurance function and have a negative impact on the development of insurance company.This paper is from the point of view of property insurance companies,studies on the theory concerned optimal reinsurance scheme design,analyzes the current situation and existing problems of China's reinsurance insurance.Based on the studies and analysis,the paper puts forward the factors that affect the design of the optimal reinsurance scheme and the requirement of optimal reinsurance scheme,clear the design ideas.At the same time,in order to ensure the feasibility of the design and implementation of the optimal reinsurance scheme,this paper takes the risk as the first dimension.According to the characteristics of different risks and the design ideas mentioned,this paper researching on the optimal reinsurance scheme for each type of risk,and forming an overall optimal reinsurance scheme.The scheme is fitting the actual situation of the property insurance company,the corresponding implementation conditions are easy to achieve,with high feasibility.The innovation of this paper is the idea of the internal reinsurance of the property insurance company,which solves the contradiction between the reinsurance requirements of the insurance companies.It is an important complement to the design of the Design of Optimal Reinsurance Scheme.