兩岸產險公司使用再保險行為之比較

黃梓銨

doi:10.6846/TKU.2015.00437

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兩岸產險公司使用再保險行為之比較

The Different Determinants of Reinsurance Usage Across Property-Liability Insurers in China and Taiwan

黃梓銨 , Masters　　Advisor：田峻吉　　

英文 DOI： 10.6846/TKU.2015.00437

再保險；保險財務；兩岸保險市場； reinsurance ； insurance finance ； insurance market

Abstract │ Reference (22) │ Altmetrics

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Most previous studies investigated the determinants of reinsurance for property-liability insurers only in one country, rather than compared the distinct determinants of reinsurance usage across insurers in two different countries. The main purpose of this paper was to investigate the different determinants of reinsurance across property-liability insurers in two developing countries. We use empirical data of two important developing insurance markets, Taiwan and China, to address this question.
To consistent with previous findings, our empirical results support that some financial ratios including cash, leverage, ROA and group membership have same impact on reinsurance usage for property-liability insurers in Taiwan and China. However, some non-financial factors such as size and age influence the determinants of reinsurance usage property-liability insurers in Taiwan, but not in China. Some factors such as cost and belonging to local insurers influence the determinants of reinsurance usage property-liability insurers in China, but not in Taiwan. To compare behavior of purchasing reinsurance in two countries, we find that property-liability insurers in Taiwan tend to purchase more reinsurance than China. The reasons could be attributed to the different insurance market environment and regulation between Taiwan and China.
To sum up, the variables relating financial ratios have same impact on reinsurance for property-liability insurers in Taiwan and China. However, we observed that non-financial factors have different impact on reinsurance usage for property-liability insurers in these two countries.

Reference ( 22 ) 〈TOP〉

1.Adams, M. (1996), “The Reinsurance Decision in Life Insurance Firms: An Empirical Test of the Risk-Bearing Hypothesis,” Accounting and Finance, 36(1): 15-30.
連結：
2.Adiel, R. (1996), “Reinsurance and the Management of Regulatory Ratios and Taxes in the Property-Casualty Insurance Industry,” Journal of Accounting and Economics, 22(1-3): 207-240.
連結：
3.Carson, James M.; Hoyt, Robert E. (1995), “Life Insurer Financial Distress: Classification Models and Empirical Evidence,” Journal of Risk and Insurance, 62: 764-775.
連結：
4.Chen Renbao and Wong Kie Ann (2004), “The Determinants of Financial Health of Asian Insurance Companies,” Journal of Risk and Insurance, 71(3): 469-499.
連結：
5.Chen, Y., Hamwi, I.S. and Hudson, T. (2001), “The effect of ceded reinsurance on the solvency of primary insurers,” International Advances in Economic Research, 7 (1): 66-67.
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