fēnbǎo / hétóng / míngquèle / gèfāng / chéngdān / de / fēngxiǎn / bǐlì / hé / péifù / zérèn分保合同明确了各方承担的风险比例和赔付责任。The reinsurance contract clearly defines each party's share of the risk and its liability for claim payments.