中文摘要：

本文利用2006-2014年我国财产保险公司和人身保险公司的面板数据，采用个体固定效应模型和分步回归方法，实证研究了我国保险公司资本结构和业务集中度对保险公司再保险需求的影响。实证结果表明，资本结构对财险公司和寿险公司的再保险需求都具有显著正向影响，资产负债率越高则保险公司分保比例越高。对于财险公司，业务集中度与再保险需求呈显著负相关，说明财险公司业务越集中则再保险需求越低；对于寿险公司，业务集中度对再保险需求的影响不显著。本文研究结果在理论上支持了相应研究的结论，在实践上对于保险公司制定最优分保策略具有重要意义。

英文摘要：

Using the panel data from 2006 to 2014, this study examines the effect of capitalstructure and business concentration on the demand for reinsurance of property and life insurancecompanies. The empirical results show that the capital structure of property insurance companiesand life insurance companies have a significant positive impact on reinsurance demand. For propertyinsurance companies, reinsurance demand and business concentration are significantly negativelycorrelated, indicating that the higher the business concentration, the lower the demand for reinsur-ance. For life insurance companies, the impact of the business concentration on reinsurance demandis not significant. This study supports the corresponding theoretical and empirical researches, andis meaningful for insurers to develop optimal reinsurance strategy.