Академический Документы
Профессиональный Документы
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1.1
1.2
2
1 6
1-1
1-1
1.3
CNN
IBM
75%
8 0
1 - 2
1-2 GDP1984100
*1995-1996
International Monetary Fund
1 0
80%
B a n c a s s u r a n c e
4
1.4
1.4.1
1.4.2
1.
Risk
Pure Risk
Speculative Risk
1 5
2. Risk Management
1)
2)
3)
2 5
1.4.3
(Multinational
Enterprise, MNE) M u l t i n a t i o n a l
CorporationMNCTransnational CorporationTNC
1 9 9 5 38 000 250 000
90% /5
1.4.4
2
1 9 9 2 A N D R E W
(Social Insurance) / (Private Insurance)
(Life Insurance) (Non-life Insurance)( )
(Commercial Lines Insurance) (Personal Lines Insurance)
(Direct Insurance)(Reinsurance)
1. /
2
2.
1 - 1
1-1
3.
13
1 3 ,
1011
4.
2 3
( R e i n s u r a n c e ) ( R e i n s u r e r )
(Retrocede)
1.4.5
1 3
2 0 0 12
1-2
194562619451024
51 1995 185
8
1 9 9 520 5 0
70000 16
14 000
5
(
)
15 5
1 0
9
5 4
1 5
U Ns Current Uncertainties Contrast With Eorly Optimism,
The Globe and Mail, June 27, 1995, P.A12
(European Free Trade
Association, EFTA) (European Economic Area, EEA)
1 9 6 0
1995 7
2) (North American Free Trade Agreement, NAFTA)
1 9 9 7
1 9
3) (Organization for Economic Cooperation and Development, OECD)
2 9
1 3
(Centrally Planned Economies)
1 - 2
1-2
1 - 33 / 4
1-3
Gross Domestic Product G r o s s
National Product
(Group of Seven -G 7 )
1 0 ( G r o u p
10
of Te n-G 1 0 )
1-4 1/2
1-4
Purchasing Power Parity, PPP
market exchange rate
1.5
4
(Gross Direct Premiums
Written)1995 21 000 6 5
1-41995 29.7
2 9 . 1 2 7 . 4
*
1985~1995
1-4 1985~1995
*1 9 9 3
Swiss Reinsurance Co.1997
1-5a
3 9 . 7 3 1 . 8 1 4
1 - 5 b 4 1 . 3
24.23 21.4
1995 94.5
81.71-6
Insurance Density
(Insurance Penetration)
G D P G N P
12
a)
1985~1995
Swiss Reinsurance Co.(1997)
b)
19851995
1-5 19851995
* 1 9 9 3
Swiss Reinsurance Co.1997
1-6 1995
1-3199578 5 088
4 507 2 372 2 283
1 838 1 497
1 13
1-3 1995
3 2 372.2 1 366.6 1 005. 6
17 1 255.3 703.2 552.1
35 146.5 60.6 85.9
36 141.5 106 35.5
41 101.5 76 25.5
42 97.4 67.3 30.1
44 90.1 74.6 15.5
48 64.0 60.1 3.9
49 61.6 60.1 1.5
52 51.7 41.9 9.9
54 39.1 25.9 13.2
60 25.8 22.0 3.8
63 21.1 19.2 1.9
64 20.5 16.1 4.4
65 18.2 15.4 2.8
67 15.6 12.7 2.9
2 4 507.2 1 613.2 2 894.0
4 2 283.2 1 068.9 1 214.3
5 2 268.4 833.9 1434.5
6 1 899.2 1 136.1 763.1
7 1 809.2 479.2 1 330.0
8 1 761.1 1 221.8 539.3
9 1 740.4 853.3 887.1
10 1 694.2 615.5 1 078.7
11 1 595.3 1 019.9 575.4
12 1 557.2 867.4 689.8
14 1 341.2 585.1 756.1
16 1 304.5 695.8 608.7
18 1 237.7 607.1 630.6
23 805.5 776.9 28.6
24 688.1 405.7 282.4
26 674.4 425.0 249.4
27 529.7 300.2 229.5
30 436.3 371.7 64.6
34 180.1 92.1 88.0
37 123.0 89.5 33.5
39 111.7 105.4 6.3
43 92.3 64.7 27.6
14
()
45 71.2 65.8 5.4
47 65.6 50.2 15.4
50 59.7 39.9 19.8
56 32.5 18.3 14.2
57 31.9 21.2 10.7
75 6.3 5.6 0.7
78 3.2 2.4 0.8
1 5 088.3 1 012.5 4 075.8
15 1 337.6 295.5 1 042.1
20 1 190.8 364.7 826.1
22 813.8 318.3 495.5
25 678.5 219.2 459.3
21 904.4 493.1 411.3
29 436.5 215.3 221.2
31 220.1 192.1 28.0
32 181.2 91.9 89.3
33 180.5 152.0 28.5
38 122.9 75.2 47.7
40 111.2 97.3 13.9
46 67.6 35.4 32.2
51 55.3 45.7 9.6
53 39.8 38.3 1.5
61 22.3 19.4 2.9
62 21.9 17.6 4.3
66 16.4 9.3 7.1
72 7.5 7.0 0.5
74 6.4 1.9 4.5
76 6.1 4.2 1.9
77 3.7 2.1 1.6
28 502.5 100.6 401.9
55 34.7 32.3 2.4
58 30.3 16.5 13.8
59 29.3 23.0 6.3
68 11.0 8.5 2.5
69 9.8 7.9 1.9
70 9.7 9.3 0.4
71 8.2 6.6 1.6
73 7.1 6.6 0.5
13 1 504.9 690.6 814.3
19 1 217.5 730.8 486.7
1 - 4 7 8 1 5 . 5
1 3 . 3 1 2 . 8 8
1-4 1995
7 8.60 4.95 3.65
13 6.57 3.68 2.89
34 3.50 2.62 0.88
37 3.06 1.27 1.79
42 2.31 2.17 0.14
43 2.29 1.85 0.44
47 2.04 1.69 0.35
51 1.78 1.73 0.05
53 1.74 1.20 0.54
55 1.72 1.29 0.43
54 1.73 1.48 0.25
61 1.48 0.98 0.50
63 1.35 1.23 0.12
65 1.24 0.97 0.27
67 1.12 0.91 0.21
72 0.73 0.62 0.11
4 10.45 3.74 6.71
5 10.33 3.75 6.58
6 8.93 4.18 4.75
8 8.55 3.14 5.41
10 7.76 3.39 4.37
11 7.40 1.96 5.44
14 6.42 3.84 2.58
17 5.49 3.51 1.98
18 5.25 2.57 2.68
19 5.04 2.86 2.18
21 4.91 2.62 2.29
22 4.82 2.84 1.98
23 4.77 2.34 2.43
24 4.65 3.96 0.69
25 4.65 2.59 2.06
26 4.51 3.13 1.38
30 3.83 2.41 1.42
32 3.72 3.44 0.28
36 3.09 2.98 0.11
38 2.97 2.80 0.17
39 2.69 1.96 0.73
45 2.15 1.51 0.64
16
()
46 2.06 1.37 0.69
48 2.02 1.54 0.48
50 1.95 1.30 0.65
58 1.65 0.84 0.81
64 1.34 0.75 0.59
77 0.45 0.34 0.11
78 0.40 0.36 0.04
2 13.16 2.91 10.25
3 12.78 2.54 10.24
15 5.78 3.15 2.63
16 5.53 1.79 3.74
28 4.28 2.17 2.11
29 4.25 1.30 2.95
31 3.78 1.86 1.92
33 3.51 1.37 2.14
40 2.43 1.27 1.16
44 2.24 1.89 0.35
49 2.01 0.60 1.41
52 1.78 1.43 0.35
57 1.69 1.47 0.22
60 1.52 0.86 0.66
62 1.40 0.86 0.54
66 1.17 0.80 0.37
68 0.99 0.82 0.17
69 0.84 0.73 0.11
70 0.81 0.46 0.35
73 0.72 0.63 0.09
75 0.57 0.55 0.02
76 0.48 0.45 0.03
1 15.47 3.10 12.37
20 4.94 4.60 0.34
27 4.29 2.33 1.96
35 3.33 2.68 0.65
41 2.36 1.85 0.51
56 1.71 1.59 0.12
59 1.54 1.19 0.35
,
71 0.80 0.64 0.16
74 0.67 0.64 0.03
9 7.82 3.59 4.23
12 7.21 4.33 2.88
57.7
80
1.6