天然巨災事件對再保險市場之影響與回應－針對亞洲之財產損害The Effects and Responses to Natural Catastrophic Events in the Reinsura

摘要
隨著全球巨災遞增，再保險人之損失負擔加劇，而再保險人於巨災事件中，扮演著重要角色，因此全方面了解天然巨災事件於財產保險再保險市場中之影響及回應，為十分重要之課題；這些影響，將會動搖再保公司之財務結構，甚至因而導致其信用評等被調降等。為降低巨災事件對再保險市場之影響，不同區域之再保市場應當採取必要措施，本文將針對亞洲重要保險市場—日本、台灣、中國、印度，做一詳細的探討。
關鍵字： 亞洲再保險市場、巨災事件、再保險市場、再保險、巨災事件之影響與回應
Abstract
There is an ascending trend in the number, the frequency and the magnitude of natural catastrophic events across the world, which has increased the losses for reinsurers who absorb large portion of such losses. It goes without saying that reinsurers continue to play a significant rule in catastrophic events. Comprehensive understanding of the effects and response to natural catastrophic events in the reinsurance market is vital, especially for the property damage. Those effects may deeply influence the financial strength of reinsurance companies. In order to respond to the effects on natural catastrophic events, they have to adopted several proper approaches. In this paper, I focus on the current primary approaches practicing across the world, and the one that may possibly be accepted and/or already practised in Asian countries.
Keywords: Asia reinsurance market, catastrophe events, reinsurance market, reinsurance, effects and responses of the catastrophic events