再保险经纪人信用风险问题研究

随着全球再保险业务的不断发展,再保险经纪人也日益增加,他们在世界各国保险公司之间充当中介从事广泛的活动。再保险经纪人提供的各项服务为保险公司与再保险公司之间建立再保险关系提供极大的方便,但是依靠再保险经纪人安排再保险业务会产生信用风险。再保险经纪人信用风险会影响保险公司或者再保险公司财务稳定,严重时甚至可能导致破产。本文通过分析再保险经纪人信用风险产生的原因,讨论了再保险经纪人信用风险对保险公司和再保险公司的影响,并从市场准入、市场行为控制以及财务要求三方面提出了相关建议。

Study on Reinsurance Brokers' Credit Risks

With the development of reinsurance business in the global market,reinsurance brokers′ number is increasing.They act as intermediaries between insurance companies to work on broad activities.All kinds of services that are provided by the reinsurance brokers give insurance companies a lot of convenience to build reinsurance relationship.However,depending on reinsurance brokers to arrange reinsurance will lead to credit risks.The reinsurance brokers′credit risks will affect the financial stability of insurance and reinsurance companies,sometimes will lead to bankruptcy directly.This paper analyzes the causes of reinsurance brokers′ credit risks and discusses the possible effect on the insurance and reinsurance companies,then puts forward some relevant advice from three aspects such as market permission,market conduct controlling and financial requirements.