توريق أخطار التأمين وإعادة التأمين كبدائل تغطية لشركة التأمين:دراسة مقارنة

Abstract

The insurance company resort for reinsurance in order to reduce the impact of changes in the size of the damages as a result of exploitation, or in order to increase the size of the display on a particular risk. Reinsurance appeared through their various types as products on the size of the insurance companies, which have to choose a type of reinsurance agreements that fits with its strategy, also reinsurance provides excellent guarantees for the insured, for two reasons: First, that the reinsurance agreements are designed exactly to cover a particular risk, which include the basic risk and correlation risk. The second, reinsurer refuses any risk offer it for bankruptcy, or cannot guarantee a best coverage, for this it could that insured not find to coverage a particular risk in the reinsurer. Hence the importance of this paper as a contribution to the research and specialized studies in highlighting the role played by the process of "securitization of insurance risks" in the complete of the insurance market through the coverage of the reinsurance agreements inability in the provision of appropriate and comprehensive coverage of the insurance company.