中国再保险产品供给侧创新研究  

Research on Supply-side Innovation of China's Reinsurance Products

作　　者：唐金成[1] 王懿瑶 Tang Jincheng;Wang Yiyao

机构地区：[1]广西大学商学院,广西南宁530004

出　　处：《西南金融》2020年第3期79-87,共9页Southwest Finance

摘　　要：再保险产品创新是保险供给侧改革的必然要求。本文以再保险供给侧及其影响因素为出发点,分析了再保险产品供给侧创新的现状,指出了再保险产品供给侧创新存在的问题及原因,提出了再保险产品供给侧创新的一系列政策建议:坚持以政府为主导的创新发展模式,为再保险产品创新营造最佳环境;加强再保险市场与金融衍生品市场的互动,努力提升其服务空间;从产品设计方面对再保险产品进行创新,丰富再保险产品供给;强化再保险产品创新人才及观念的培养,合理使用人才。以期解决再保险业供给数量不足、供给质量不优、供给效率不高的难题,不断推进供给要素在再保险行业的革新与进步。Reinsurance product innovation is an inevitable requirement for insurance supply-side reform.This paper takes the supply side of reinsurance and its influencing factors as a starting point,analyzes the current status of supply-side innovation in reinsurance products,points out the problems and reasons for supply-side innovation in reinsurance products,and proposes a series of policy recommendations for supply-side innovation in reinsurance products.It points out that we should adhere to the government-led innovation and development model to create the best environment for reinsurance product innovation,strengthen the interaction between the reinsurance market and the financial derivatives market,and strive to enhance its service space.Besides,we should innovate reinsurance products from the product design perspective and enrich reinsurance product supply,strengthen the cultivation of in novative talents and concepts of reinsurance products,and make rational use of talents.These methods are aimed at solving the problems of insufficient supply,poor supply quality and low supply efficiency of the reinsurance indus try,and promote the innovation and progress of the supply factors in the reinsurance industry.

关 键 词：再保险 保险供给侧改革 再保险市场 再保险产品 金融衍生品市场 财务再保险 巨灾风险 特殊风险 公司治理风险 风险管理 风险转移 再保险监管 

分 类 号：F840.4[经济管理—保险] F019