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Optimierung von Rückversicherung

Optimierung von Rückversicherung

          
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About the Book

Studienarbeit aus dem Jahr 2003 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,3, Fachhochschule Dortmund, Veranstaltung: Versicherungscontrolling, Sprache: Deutsch, Abstract: Mit dem Kauf von Rückversicherungsschutz will der Erstversicherer das Risiko mindern, dass er durch den Verkauf von Versicherung übernommen hat. Die Funktionen der Rückversicherung für den Erstversicherer bestehen u. a. darin, die Zeichnungskapazität zu erhöhen sowie den Eigenkapitalbedarf in Grenzen zu halten. Die Rückversicherung kann auch als Eigenkapitalersatz angesehen werden. Der Rückversicherer auf der anderen Seite kann durch die Hereinnahme von Risiken ein Kollektiv bilden, in dem das Gesetz der großen Zahlen gilt, so dass er das eingegangene Risiko handhaben kann. D.h. die Rückversicherung führt insgesamt zu einer breiteren Risikostreuung und damit zu einem Risikoausgleich in der Versicherungsbranche. Die Rückversicherungsformen können zum einen unterschieden werden in vertragsrechtliche Formen und zum anderen in versicherungstechnische Formen, unter die u. a. die Begriffe der proportionalen und nicht proportionalen Rückversicherung zu subsumieren sind. Ferner sind noch zu nennen der alternative Risikotransfer sowie Financial Reinsurance, die ebenfalls unter die Begrifflichkeit der versicherungstechnischen Formen einzuordnen sind. Im weiteren Verlauf dieser Arbeit werden wir uns ausschließlich mit der Optimierung der proportionalen und nicht proportionalen Rückversicherung beschäftigen, weil es sich bei diesen traditionellen Formen der Rückversicherung, im Gegensatz zu den neueren Formen der Rückversicherung, die primär finanz- und erfolgswirtschaftliche Funktionen erfüllen, um primär risikopolitische Funktionen handelt. Unsere mathematischen Ausführungen in den Kapiteln 3 bis 5 basieren auf dem Modell von Schmitter. Die ultimative Optimierung von Rückversicherung gibt es nicht, da es sich bei der Rückversicherungsnahme aufgrund der zahlreichen vertragsrechtlichen und versic


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Product Details
  • ISBN-13: 9783656520146
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 42
  • Series Title: German
  • Weight: 68 gr
  • ISBN-10: 3656520143
  • Publisher Date: 19 Nov 2013
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 3 mm
  • Width: 148 mm


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