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James · 2025年03月28日

再保险为什么国际业务更多?

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NO.PZ202304050100011703

问题如下:

(3) Based solely on the comment Takahashi makes in postponing the review of SH to the next meeting, the primary line of insurance that SH offers is most likely:

选项:

A.

reinsurance.

B.

life and health.

C.

property and casualty.

解释:

A is correct. Reinsurance business is largely international, while the rest of the insurance market has a smaller proportion of cross-border business.

B is incorrect. Life and health insurance companies tend to have a smaller proportion of cross-border business. Reinsurance companies are much more likely to have significant international business.

C is incorrect. Property and casualty insurance companies tend to have a smaller proportion of cross-border business. Reinsurance companies are much more likely to have significant international business.

如题,老师能简单说一下吗?

1 个答案

王园圆_品职助教 · 2025年03月28日

同学你好,举个例子,如果是大灾保险,是不是在一个地区集中爆发的可能性更高

如果再保险业务不是全球到处去收保费从而分散风险,而是依然集中在一个地区做再保险,那真的这个地区出现大规模的灾害譬如大火,海啸,地震,那这个再保险公司就和保险公司一起完蛋了呀

反之如果再保险公司是全球承保的,那其他地区这个时间点没有发生地震海啸,再保险公司就可以用其他地区收到的保费来支付这个地区的理赔费用,就依然不至于被搞破产了

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