Surrounding the standards of solvency regulation of insurance company, Chapter Two generalizes the basic characteristics of foreign solvency regulation systems of insurance company now.
Chapter three draws inspiration from the analysis of the two most outstanding insurance solvency regulation systems: north American system and European system.
Chapter two first introduces the methods to assess solvency and analyses their application to solvency regulation on the bases of the expounding on the implication of solvency.
This article have analyzed the design and the application of the current solvency supervisory indicators of China on the base of research of the Insurance Regulatory Information System、the Financial Analysis Solvency Tools Scoring System and the Risk-Based Capital Model that made by American National Association of Insurance Commissioners and Margins of Solvency that adapted in England. For the more, the article have offered its own opinions about the defects and the improvement of the current indictor system that applied in China.
本文在研究美国保险监管信息系统(Insurance Regulatory Information System)、偿付能力财务分析工具评分系统(Financial Analysis Solvency Tools Scoring System)、风险资本模型(Risk-Based Capital Model)和英国的偿付能力额度(Margins of Solvency)的基础上,分析了我国保险公司偿付能力监管指标体系的设计和运用情况,并就现行指标体系中尚待完善之处提出了改进意见。
Chapter one briefly introduces the classification of the risks, including the asset risk, liability risk, asset/liability matching risk and operational risk faced by the insurance company;
Risk-Based Capital is a main means of insurance supervision, the dissertation hopes to study it and try to discuss how to use it to supervise the solvency of our life insurance company.
Effective solvencyregulation relies on effective solvency regulatory instruments which are designedon the basis of mathematical principles of insurance business.
Nowadays, the target of China's insurance supervision is creating a proper insurance supervision system. To reach this target, the urgent matter is to perfect the relevant institutions and regulations, i.e. to set up a pay ability supervision system, a proper regulation to market entry and exit, and a credit evaluation system for insurance company; furthermore, it is necessary to complete and perfect the insurance laws, self -discipline regulations, as well as the inner regulations of insurance company.
Both EU's supervision system of the solvency of insurance companies and that of the United States are the worlds' two major systems of its kind. An analysis of the two systems gives us a general idea of the main types of solvency supervision methods used in the world. A comparative analysis will also help us to get a clear understanding of the risk factors that may affect the solvency of insurance industry in China while working out the country's own supervisory plan. In this way we may be able to set a pro...
From the Law perspectives, the implications and extended meanings of the supervision on claim-paying ability of insurance companies, as the core of supervision on the business in this industry, are discussed in this paper on the basis of Insurance Study and Economics.