中国保险公司次级债风险研究

发布时间：2018-06-22 10:01

  本文选题：保险公司次级债 + 风险研究　； 参考：《辽宁大学》2012年硕士论文

【摘要】：次级债作为保险公司主要融资手段，近年来发挥着越来越重要的作用。保监会于2004年9月，出台《保险公司次级定期债务管理暂行办法》以来，募集次级债是继股东注资和上市融资后又一强力融资手段。相对于上市融资的周期长、见效慢，次级债融资较方便、快捷，且能有效的提升公司的偿付能力，受到保险公司的广泛青睐，发展势头迅猛，并且前景广阔。与次级债的实务发展相比，其理论研究相对落后。所以，关于保险公司次级债的相关研究显得尤为迫切。 但是，次级债在中国保险业融资才八个年头，可以说资历尚浅，很多相应的配套措施还不健全，融资风险方面研究比较少，有待进一步深入细致的研究。本文针对次级债融资风险加以侧重研究，全文共分五部分，前三部分是风险研究的理论基础，第四部分为文章重点，对保险公司次级债可能存在的风险加以分析，最后部分针对风险提出相关对策及发展建议。 第一部分绪论，，综合论证了文章写作意义、文献综述、研究方法等研究可行性，为文章得以开展奠定了坚实的理论基础。这部分结尾，客观的介绍了文章不足与创新之处。在第二部分阐述保险公司次级债的涵义和特点，第三部分分析保险公司次级债的作用和瑕疵，第四部分分析次级债从发行到到期赎回、从公司自身到债券关系人的风险。通过全面分析，找出问题所在。文章最后一部分是对策和建议，从保险公司、次级债关系人、金融行业以及信用评级等几个方面分开阐述。
[Abstract]:As the main financing means of insurance companies, subprime debt plays a more and more important role in recent years. Since the CIRC issued the interim measures on the Management of Sub-periodic debts of Insurance companies in September 2004, raising subordinated debt is another powerful means of financing after shareholders' capital injection and listed financing. Compared with listed financing, the period of financing is long, the effect is slow, the secondary debt financing is convenient, fast, and can effectively enhance the solvency of the company, it is widely favored by insurance companies, the development momentum is swift and violent, and the prospects are broad. Compared with the practical development of subordinated debt, its theoretical research is relatively backward. Therefore, the related research on the subordinated debt of insurance companies is particularly urgent. However, subprime debt in China's insurance financing is only eight years, can be said to be junior, a lot of relevant supporting measures are not perfect, financing risk research is relatively small, need to be further in-depth and meticulous research. The first three parts are the theoretical basis of the risk research, the fourth part is the focus of the article, to analyze the possible risks of the subprime debt of insurance companies, the first three parts are the theoretical basis of the risk research, the fourth part is the focus of the article. The last part puts forward the relevant countermeasures and development suggestions for the risk. The first part is the introduction, which comprehensively demonstrates the significance of writing, literature review, research methods and other research feasibility, which lays a solid theoretical foundation for the article to be carried out. At the end of this part, it introduces the deficiency and innovation of the article objectively. In the second part, the meaning and characteristics of the subordinated debt of the insurance company are expounded. In the third part, the function and defect of the subordinated debt of the insurance company are analyzed. In the fourth part, the risk of the subordinated debt from issue to maturity redemption, from the company itself to the bond relation person is analyzed. Through comprehensive analysis, find out where the problem lies. The last part of the article is the countermeasures and suggestions, from the insurance companies, sub-prime debt stakeholders, the financial industry and credit rating and other aspects.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F842.3;F832.51;F224

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