|
With the acceleration of economic globalization and financial innovation,Japan's insurance supervision mode which is known as strict management by competition restriction faces new challenges.First,because of the burst of bubble economy and the shock of Asian financial crisis,Japanese insurance market shrinks,business promotion is blocked,and in particular,the life insurance is found in serious shortage of cash flow.Second,the competition introduced by M&A and restructuring in other industrial econowies' financial... With the acceleration of economic globalization and financial innovation,Japan's insurance supervision mode which is known as strict management by competition restriction faces new challenges.First,because of the burst of bubble economy and the shock of Asian financial crisis,Japanese insurance market shrinks,business promotion is blocked,and in particular,the life insurance is found in serious shortage of cash flow.Second,the competition introduced by M&A and restructuring in other industrial econowies' financial sector,Japan has to reconstruct her insurance industry which has operated in a traditional way for more than 100 years.The key issues are following.The operation strategy is adjusted by market restriction elimination and competition encouragement.The supervision mode is reformed by solvency control and information disclosure arrangement.New organization structure is established by M&A.As a conclusion,the trend of Japan's insurance industry in 21\+\{st\} century will be characterized by the promotion of new market,the development of new products and portfolio,the expansion of sales,and the application of e-trade. 随着经济全球化、金融化进程的加快 ,日本保险业以限制竞争、严格监管著称的监管模式受到了挑战。泡沫经济的破灭和东亚金融风暴的冲击 ,使日本保险市场萎缩 ,业务拓展受阻 ,利差损失严重 ,寿险经营状况拮据。加之欧美金融业兼并与重组的竞争压力 ,日本不得不对有上百年历史的保险业进行改革和重组 ,其内容包括 :调整经营战略———放宽限制、促进竞争 ;监管方式改革———偿付能力控制和经营信息公开。组织机构改革———兼并与重组。而新市场的开拓 ,新商品的开发 ,寻求多种投资途径 ,扩大营销渠道 ,导入多媒体手段等 ,将是 2 1世纪日本保险的走势。 Those factors which affect the solvency of non-life insurance companies in China are analyzed in this paper. There are not many valid data because of the short history of Chinese insurance industry, so Grey Model is used instead of statistics methods which require a large number of samples. The internal factors and external factors are analyzed respectively and the results show that internal factors are more important than external factors. The most serious problem of Chinese insurance market is the low... Those factors which affect the solvency of non-life insurance companies in China are analyzed in this paper. There are not many valid data because of the short history of Chinese insurance industry, so Grey Model is used instead of statistics methods which require a large number of samples. The internal factors and external factors are analyzed respectively and the results show that internal factors are more important than external factors. The most serious problem of Chinese insurance market is the low reinsurance rate, while GDP growth rate is the most important factors in external factors. 本文对影响中国非寿险保险市场偿付能力的各种内部和外部的因素进行了定性的分析。然后根据我国保险市场有效数据少的特点,利用灰色关联分析对各种影响因素进行了定量分析。最后得出了各种风险对偿付能力的影响程度,分析了外部因素和内部因素对偿付能力的相对重要性,并且还分析了目前中国非寿险保险公司的偿付能力应该防范的最大风险,提供给保险监管部门和保险公司参考。 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... 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 proper computational basis for various sorts of risk based capital, give full account to such factors as reinsurance, investment risk, the size of insurance companies and so on. Through utilizing new technology, strengthening the supervision of relevant business. 欧盟和美国对保险企业偿付能力的监管体系是目前世界上对保险业偿付能力进行监管的两大主要体系 ,对欧美边际偿付能力监管进行分析 ,可以大致了解世界各国保险业边际偿付能力监管的主要方法。通过对两种体系进行对比分析 ,在我国制定偿付能力监管方案时 ,应认清影响我国保险业偿付能力的风险因素 ,正确设定各类风险资本的计算基础 ,充分考虑分保、投资风险、保险公司的规模等因素 ,利用新技术 ,加强对关联业务的监管。
|