目前国内财产保险公司的再保险安排通常是以每一保险单为单位安排的 ,这在一些情况下脱离了危险单位的概念 ,造成保费流失和风险积累的隐患。而通过建立危险单位系数参与再保险安排 ,就能使财产保险公司保持良好的偿付能力 ,从而避免再保险操作不当造成的保费流失和风险积累 At present, the reinsurance arrangements for domestic property insurance companies are usually arranged on a per insurance basis. In some cases, they are out of the concept of dangerous units, resulting in the risk of loss of premiums and risk accumulation. By setting up the unit of risk coefficient to participate in the reinsurance arrangement, the property insurance company can maintain a good solvency so as to avoid the loss of premium and risk accumulation caused by improper reinsurance operation