In < wp = 6 > proportional reinsurance , the primary insurer and reinsurer proportionally share risks , premiums and losses 在比例再保险中，原保险人与再保险人按合同约定的比例承担责任、分配保费以及分摊损失。
Since there exists no proportional relationship between two parties " liabilities , benefits and sum insured , it ' s as a result given the name : non - proportional reinsurance 由于分保双方的保险责任和保险的权益与保额之间没有固定的比例关系，因此称为非比例再保险。
Although surplus belongs to proportional reinsurance , it owns some natures of non - proportional reinsurance and therefore is more suitable for business with different sums insured and qualities 从这一点上讲，比例再保险更多的体现了共命运原则； （ 4 ）保费准备金和赔款准备金。
Proportional reinsurance , also named as sum insured reinsurance , is one using sum insured to divide the total risk amount into primary insurer ' s retention and reinsurer ' s liability 比例再保险又称金额再保险，是以保险金额为责任分配的基础，确定分出公司自留额和接受公司责任额的一种再保险。
Scale reinsurance is original underwriter and reinsurance person , divide a person and cent to enter namely conclude between the person reinsurance contract , according to insurance amount , make an appointment with certainty ratio , partake responsibility 比例再保险是原保险人与再保险人，即分出人与分入人之间订立再保险合同，按照保险金额，约定比例，分担责任。
It can be subdivided into quota share reinsurance , surplus reinsurance and quota share & surplus complex reinsurance . non - proportional reinsurance , titled as loss reinsurance as well , is one using loss amount to separate retention from liability ceded 非比例再保险又称损失再保险，是以损失赔款为责任分配的基础，确定分出公司自留额和接受公司责任额的一种再保险。
Article 14 as for a excess of loss reinsurance or any other non - proportional reinsurance contract , the cedant shall , according to the provisions of the reinsurance contract , calculate and determine the premium to be ceded out , and record it into the profits and losses of the current period 第十四条对于超额赔款再保险等非比例再保险合同，再保险分出人应当根据再保险合同的约定，计算确定分出保费，计入当期损益。
This section specifies applications of quota share , surplus and non - proportional reinsurance in view of development history and real - life practices . proportional reinsurance came first and quota share is its traditional and typical kind . non - proportional reinsurance appeared late while it grows fast 比例再保险是以保险金额为基础分配原保险人的自负责任和再保险人的分保责任：而非比例再保险是以赔款为基础来确定自负责任额和分保责任额。
Reinsurance has been more than 600 years old since 1370 . during this long period , reinsurance has fallen into many different types such as facultative , obligatory and facultative - obligatory reinsurance on an arrangement basis and proportional and non - proportional reinsurance on a liability basis 到今天，再保险己经走过了600多年的历史，期间产生了按安排方式划分的临时再保险、合同再保险和预约再保险以及按责任分配形式划分的比例再保险和非比例再保险。
In disproportional reinsurance , original underwriter and reinsurance person talk things over agreed a specified amount that by original underwriter compensate pays insurance gold is spent , be in what this forehead spends less than to be paid by compensate of original underwriter proper motion , exceed this forehead to spend , the agreement that must press an agreement assumes its share by reinsurance person or all compensate pays duty 在非比例再保险中，原保险人与再保险人协商议定一个由原保险人赔付保险金的额度，在此额度以内的由原保险人自行赔付，超过该额度的，就须按协议的约定由再保险人承担其部分或全部赔付责任。
