偿二代下前海人寿资产负债流动性管理研究

发布时间：2018-02-22 09:32

本文关键词： 保险公司偿二代偿付能力流动性管理　出处：《安徽工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着经济发展水平的提高,人们预防风险和灾害规避意识越来越强,这使得保险行业近几年迅速发展。为了更好的促进保险行业稳定健康的发展,保监会在经过几年的探讨研究后,在2015年正式推出了第二代偿付能力体系(以下简称偿二代)的监管制度,保险行业的发展至此掀开了一个新的篇章。对于保险公司而言,“偿二代”既是机遇又是挑战。在新的机遇和挑战面前如何进行公司内部资产负债流动性管理变得尤为重要。本文围绕偿二代新背景展开,首先对偿二代监管体系做出了完整详细的介绍,并与偿一代进行比较总结其不同之处。接着总结偿二代对于保险公司资产负债管理会产生的影响并且分析这种影响会使保险公司资产负债的流动性产生何种变化,由于保险公司的业务规模和经营模式的不同,这种影响对于中小型保险公司较大,对于大型保险公司影响相对较小。随后重点引入具有典型分析意义的前海人寿公司进行研究,偿二代前后其资产负债流动性产的变化和偿二代实施后前海人寿在资产负债流动性方面的不足、存在的的问题。最后结合保险市场发展的新背景对在偿二代下解决相关流动性问题给予建议和具体管理措施。文章采用了定量分析和案例分析相结合的研究方法。在新的背景下考虑到新的情况对保险公司资产负债流动性进行研究,保险公司其投资对象的风险性、负债上的不确定性以及保险责任的未来性等经营特性与市场外部环境融合交织,使保险公司成为风险较高的行业,这也是监管机构开展偿二代监管的重要原因。流动性又可称为短期偿付能力,是保险公司实现长期稳定经营的必要条件,是公司经营发展的内在要求,因此对于保险公司而言资产负债流动性的研究可以为保险公司在偿二代下更稳定的发展提供现实指导意义。
[Abstract]:With the improvement of economic development level, people's awareness of risk prevention and disaster avoidance is becoming stronger and stronger, which makes the insurance industry develop rapidly in recent years. After several years of discussion and study, the CIRC formally introduced the second generation solvency system (hereinafter referred to as the second generation) in 2015. The development of the insurance industry has opened a new chapter. For insurance companies, "repaying the second generation" is both an opportunity and a challenge. In the face of new opportunities and challenges, how to manage the liquidity of assets and liabilities within the company becomes. This paper focuses on the new background of the second generation. First of all, it makes a complete and detailed introduction to the second generation supervision system. Then it summarizes the impact of the second generation on the asset liability management of insurance companies and analyzes how the impact will make the liquidity of assets and liabilities of insurance companies change. Because of the different business scale and business model of the insurance company, this kind of influence is bigger for the small and medium-sized insurance company, and relatively small for the large insurance company. Subsequently, it focuses on the introduction of the typical analytical significance of Qianhai Life Insurance Company to carry on the research. Before and after the second generation of compensation, the assets and liabilities of the assets and liabilities of the assets and liabilities of the changes and after the implementation of the second generation of Qianhai Life in terms of assets and liabilities liquidity, Finally, according to the new background of the development of insurance market, the paper gives some suggestions and concrete management measures to solve the related liquidity problem under the second generation. The paper adopts the research method of combining quantitative analysis and case analysis. To study the asset-liability liquidity of insurance companies in the new context, taking into account new circumstances, The risk of the investment object, the uncertainty on the liability and the future of the insurance liability of the insurance company are intertwined with the external market environment, which makes the insurance company become a high-risk industry. This is also an important reason for the regulators to carry out the second generation supervision. Liquidity, which is also called short-term solvency, is the necessary condition for the insurance companies to realize long-term stable operation and the inherent requirement for the development of the company's operation. Therefore, the study of asset-liability liquidity for insurance companies can provide practical guidance for the more stable development of insurance companies in the second generation.
【学位授予单位】：安徽工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3;F840.4

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