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存款保险人对于再保险的需要较之普通商业保险更为迫切。除可籍引入商业再保险机制分散其承保风险和提升其承保能力外,商业再保险人亦能为存款保险人提供中立的市场主体对各投保银行风险水平的评估结果。该结果对存款保险人准确估定保险费率极具参考价值。其还有助对投保银行施加外部市场约束。直接风险定价、相对风险定价,以及相对风险监管三种再保险定价信息利用方式各有利弊。一国的选择应当依其自身引入再保险制度时希望达致的主要目标、存款保险人职能定位、存款保险人履行职责能力等要素决定。就我国而言,采取相对风险定价方式是一个较为妥当的选择。
Deposit insurers need more reinsurance than ordinary commercial insurance. Apart from introducing commercial reinsurance mechanisms to diversify their underwriting risks and increase their underwriting capacity, commercial reinsurers can also provide deposit insurers with the results of assessments of the insurer’s risk levels by neutral market players. The result is of great reference value for the deposit insurer to accurately estimate the premium rate. It also helps impose external market constraints on insurers. Direct risk pricing, relative risk pricing, as well as the relative risk regulation three kinds of reinsurance pricing information have their own advantages and disadvantages. The choice of a country should be determined by the key objectives it wishes to achieve when introducing a reinsurance system itself, the functional orientation of deposit insurers, and the ability of deposit insurers to perform their duties. For our country, the relative risk pricing method is a more appropriate choice.