The insurance industry, as one of the tools for the community to pass on the risk, needs to be dispersed in order to avoid the risk of excessive concentration, and its ability to sustain business. Insurance professionals in the insurance market often use the combination of professional skills to achieve the purpose of risk diversification. Although the coinsurance insurance pool, which is typical of traditional energy digital insurance people, together bear special risk and huge risk and other unable to bear the risk, and help the single payer risk dispersion, one of the methods used by other countries preference is currently the insurance industry.
Applying the pool in Taiwan has for years, the insurance industry by the method of the system to eliminate the risk of catastrophe, suppression of highly dangerous, or with the government insurance policy for the establishment of the organization, the insurance market of our country, the importance is ineffable. Although insurance joint management system due to translation and co insurance, resulting in practice for this two kinds of system with dispersion for insurance risk confusing concept, because they cannot really understand the difference between cutting, so the dispute in legislation and actual operation error on.
In this study, engineering insurance, engineering insurance of insurance through in-depth study to the joint management system, and compared with other similar methods, including mutual insurance, reinsurance and exchange business, to analyze the differences of each system, understand the function and operation of the parties to the contract and the legal relationship, and Taiwan''s Insurance joint venture to explore practical issues and suggestions.
Based on the above study, the purpose of this paper is as follows:
(一)The analysis of theoretical basis of joint co insurance, and China''s current business association of current management of existing system, introduce a system of.
(二) The reason analysis of engineering insurance pool and the coinsurance, according to the current system of management deficiencies, and to review one by one, the direction of amendments to the system after the date.