首页法律知识民商法合同法合同知识 Marine facultative excess of loss

Marine facultative excess of loss

发布时间：2019-11-24 18:13:15

Extending the use of facultative excess of loss techniques in the Marine markets globally

Swiss Re's latest report in the Technical publishing series is a hands-on guide to how Marine underwriters can benefit from using facultative excess of loss techniques. While widely tested and implemented in Property insurance, fac excess of loss is not commonly used in this line of business beyond the US, Scandinavian and UK markets.

The publication takes the reader from the basis of proportional and non-proportional insurance through exposure curves and the mechanics of pricing, to the use of a fac excess of loss pricing approach. All examples in the report are based on the terms and conditions of the marketplace and explore how and when to use fac excess of loss in a practical way across the market cycle.

According to the author, under the right conditions there is an opportunity for marine underwriters to apply the techniques described in the publication to set the correct risk premium to be charged for each risk in each marine class. As the method remains the same for individual risks and portfolios, the approach is relevant for both treaty and facultative underwriters.

将临分超赔技术应用到全球水险市场

瑞士再保险最新的一份技术报告，是有关水险承保人如何从临分超赔技术中获益的实用指南。临分超赔技术虽然在财产险中得到了广泛的检验和应用，但是很少被用于除美国、斯堪的纳维亚和英国市场以外的水险业务。

该刊物向读者介绍了比例和非比例分保的基本知识、风险曲线和定价机制，以及临分超赔定价方法的使用。报告中的所有示例都以市场条件和条款为基础，探索了在整个市场周期中切实有效地应用临分超赔技术的时机和方法。

作者认为，在适当条件下，水险承保人有机会采用报告中介绍的技术，根据各个水险类别的各项风险确定合适的价格。由于该方法同时适用于单项风险和组合风险中，所以对合约和临分承保人都适用。

另外，瑞士再保险最近将亚洲水险承保中心设在新加坡, 以便增强瑞士再保险全球水险部门之间的协同效应，提高其亚洲组织结构的效率，并确保亚洲的客户能继续享受到近便的服务。

水险承保中心此前设在香港。除了常驻新加坡的承保人Patrick Graf 和吴之成（Wilfrid Goh）外，此前常驻香港的水险承保人Victor Enzler 和毕政文（Jordan Bi）也将调派到新加坡。

瑞士再保险亚洲水险承保中心由Mario Ciancarelli直接领导。Mario Ciancarelli常驻苏黎世，负责瑞士再保险亚洲、中东和非洲地区（AMEA）的水险和能源险承保。他向位于伦敦并由执行总裁Peter Sydenham领导的全球水险承保中心汇报工作。