This dissertation analyzes the risk factors that influence the solvency ability of life insurance companies. Based on it, the paper reviews the popular instruments of solvency management in foreign countries and makes a methodological study on the Value at Risk (VAR) method that is a new risk management method in finance field.
This thesis analyzes the risk factors that influence the solvency ability of insurance companies, reviews the popular instruments of solvency management and makes a methodological study on the Dynamic Financial Analysis method which is a new instrument for insurance risk management.
In order to learn from all kinds of efficient supervision patterns, the paper lists the measurement of solvency ability of "Europe-alliance pattern", original "Japan-German pattern", and "America pattern".
Consequently, it's necessary to strengthen the investment risk control of life insurance from the macro supervision and micro management, and to build and perfect the investment risk management system, in order to improve the investment revenue and solvency ability of the life insurance industry.
The first paragraph reviewed the researches of the insurance solvency in China and indicated that the research level of insurance solvency is consistent with the development of insurance industry.
In order to preserve the solvency of social security schemes and the competitiveness of European economies investments in human capital are required which enhance the productivity of the labour force.
Facilitating the combination of motherhood and employment such an investment strategy for children would not only promote the life chances of children and mothers, but also contribute to effectively safeguarding the solvency of the pension schemes.
This paper focus on the relationship between Insurance Capital a nd Capital Market Development.According the nature and character of insurance ca pital paper studies on contribution which insurance capital inputs into capital market,the amounts that insurance capital invests to capital market,and the key role enhancing the solvercy for insurance company.
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.
With the more opening up to the outside in its financial area, Chinas insuran ce industry has to face the fierce competition in the market. Chinas insur anc e industry is not very competitive owing to differences in the capital size, financial flow, indemnity capacity, insurance structures, quality of serv ice and taxes. But in the meanwhile,Chinas insurance company also stands many a chan ce. Therefore we must study its future development and development strategies.