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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/157309


    Title: What Matters in Reinsurance Decisions? Evidence from the Natural Disaster Effect in Taiwan
    天災會影響產險公司的再保險嗎？
    Authors: 彭金隆;陳彥志
    Peng, Jin-Lung;Chen, Yen-Chih
    Contributors: 風管系
    Keywords: Natural disasters;Reinsurance;Earthquakes;Climate-related natural disasters
    天然災害;再保險;地震;氣候相關的天然災害
    Date: 2024-06
    Issue Date: 2025-06-13 09:00:58 (UTC+8)
    Abstract: Our aim in this study is to determine the impact of natural disasters on the reinsurance decisions taken by insurance firms. Given that natural disasters are of particular relevance to the reinsurance market, the losses attributable to such natural disasters can directly affect the reinsurance costs for insurance firms, and their expected losses. Based upon actual data on natural disaster events, and using ‘property and liability’ (P&L) databases from the insurance industry in Taiwan, we find that P&L insurance firms change their reinsurance usage following occurrences of serious damage from natural disasters, with greater natural disaster losses generally leading to a reduction in reinsurance usage. Our results also reveal that the losses from climate-related events, such as typhoons, floods and mudslides, can have direct impacts on reinsurance usage, although this is not found to be the case for earthquake events. Our results may provide new evidence on the relationship between reinsurance usage and natural disasters.
    本研究針對天然災害對產險公司再保險使用決策進行研究，利用國內產險公司再保險使用資料與天然災害實際資料進行研究，由於天然災害發生後將會影響產險公司的預期損失以及使用再保險成本。本研究使用實際損失狀況、損失頻率、損失幅度衡量天災嚴重程度，實證結果顯示嚴重的天然災害發生後，將會降低產險公司再保險使用，特別是與氣候相關的天然災害包括颱風、洪水與土石流與保險公司再保險使用有顯著影響。另外，天然災害類型為地震時，對產險公司再保險使用並沒有顯著影響。
    Relation: 中山管理評論, Vol.32, No.2, pp.291-324
    Data Type: article
    DOI 連結: https://doi.org/10.6160/SYSMR.202406_32(2).0004
    DOI: 10.6160/SYSMR.202406_32(2).0004
    Appears in Collections:[風險管理與保險學系] 期刊論文

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