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大力发展再保险业务,建立和完善我国再保险市场,不仅早已成为我国保险理论界与实务界同仁所关心的热点问题,同时也是我国保险体制改革过程中必然实现的一种结果。特别是当今世界,任何一家保险公司,就是有几百亿元资产,也无一能够离开再保险市场而独立发展的。可以这样说,谁掌握了再保险,谁才真正掌握了市场的主动权。本文仅就发展和完善我国再保险市场的几个问题作些初步探讨。 一、当前我国再保险市场存在的主要问题 就当前我国再保险市场的现状而言,与国际再保险市场相比,无论是质量、数量还是业务规模,均存在许多问题,主要表现在:市场构造不完善,机构体制不健全,分保手段单一,国内做法与国际惯例不接轨等等。具体有以下几点:
Vigorously developing reinsurance business and establishing and perfecting the reinsurance market in our country have not only become hot issues of common concern to the insurance theoreticians and practitioners in our country, but also an inevitable result of the reform of the insurance system in our country. Especially in today’s world, any insurance company has tens of billions of yuan worth of assets and can not independently develop itself without the reinsurance market. It can be said that who has the reinsurance, who really mastered the market initiative. This article only on the development and improvement of China’s reinsurance market several issues for some preliminary discussion. First, the current major problems in China’s reinsurance market As for the current status of China’s reinsurance market, compared with the international reinsurance market, no matter the quality, quantity or size of the business, there are many problems, mainly manifested in: imperfect market structure, Institutional structure is not perfect, a single means of reinsurance, domestic practices do not conform to international practice and so on. Specifically the following points: