再保险概述.ppt

概述---Summarize Definitions-定义 History-历史 Nature-属性 Function-作用 Definitions：定义 What Do These Words Mean?-这些名词的意思是什么 Reinsurance : 再保险 A form of insurance whereby one insurer (the reinsurer) indemnifies another insurer (the reinsured) for losses under insurance policies issued by the reinsured to the public. 再保险又称分保，指原保险人将自己承担的部分或全部保险合同责任分给再保险人。 Ceding Company:分出人 A Primary Company:原保险人 Direct Company:直接保险公司 cedant , cedent , ---- all known as the “Reinsured” ----再保险分出人 Cede: When a company reinsures its liability with another, it “cedes” business ----再保，分保，；割让；让与；放弃 Ceded company:分入公司 -----the Company to whom the risk is transferred Reinsurer: 再保险人，再保险接受人 ----An insurer or reinsurer assuming the risk of another under contract. Assume：假定，承担，接受 Three (Re)insurance Parties保险和再保险的当事人的关系 Insurance Reinsurance Retrocede:转分保 Retrocession: Reinsurance of Reinsurance ----转分保，分保的再次分保 Retrocessionaire and Retrocedent: The parties to a Retrocession Retrocessionaire：转分接受人； Retrocedent:转分保分出人 Retention:自留额 Commission：佣金 - In reinsurance, the primary insurance company usually pays the reinsurer its proportion of the gross premium it receives on a risk. The reinsurer then allows the company a ceding or direct commission allowance on such gross premium received, large enough to reimburse the company for the commission paid to its agents, plus taxes and its overhead. The amount of such allowance frequently determines profit or loss to the reinsurer. Reimburse：补偿；overhead：经营管理费用 Profit Commission盈余佣金，纯益手续费 - A provision found in some reinsurance agreements which provides for profit sharing. Parties agree to a formula for calculating profit, an allowance for the reinsurer’s expenses, and the cedant’s share of such profit after expenses Formula：公式 Allowance：津贴、定量供应、允许，补助 history The origins of insurance The origins of insurance are lost in the mists of antiquity but from very early times various attempts were made, initially in co