中国人寿保险公司偿付能力风险控制研究

发布时间：2018-03-01 23:02

本文关键词： 中国人寿风险偿付能力　出处：《山东大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国的保险业经过几十年的快速发展,偿付能力不足问题开始逐渐的显露。偿付能力是保险公司的生命线,充足的偿付能力是保险业健康可持续发展的前提和保证,也是保障被保险人利益的根本所在。本文以中国人寿保险股份有限公司为研究对象,着重分析中国人寿保险公司偿付能力影响因素及其不足的原因,并提出改善偿付能力状况的相应措施。对于中国人寿保险公司的良性发展来说,此项研究既具有重要的理论价值,又具有一定的现实指导意义。文章共分为五章。第一章为绪论,主要阐述论文的选题背景、研究意义、文献综述、研究思路以及创新之处；第二章对寿险公司面对的主要风险进行概述；第三章分析了中国人寿保险公司偿付能力主要影响因素,对内部的影响因素结合公司的数据进行具体的论述；第四章分析了中国人寿保险公司的偿付能力现状；第五章从公司层面和政府层面提出改善中国人寿保险公司偿付能力状况的建议。本文运用理论分析与案例分析相结合的研究方法,对中国人寿保险公司偿付能力状况及主要影响因素进行了分析。文章最后得出结论认为,提高中国人寿的偿付能力一方面需要中国人寿提高经营管理水平,构造核心竞争力以及提高资产管理水平和投资收益,另一方面需要政府通过政策调控促进公司产品结构调整、拓展寿险资金投资渠道以及建立保险诚信机制。本文也存在一些不足之处。在偿付能力影响因素的选取方面,虽然结合了保监会的对寿险公司监管规定、前人的实证分析结果等相关研究,尽量做到科学、客观,但是影响因素的选取仍存在较大的主观性。另外,由于时间和精力的限制没能够对中国人寿保险公司的偿付能力状况进行充分的了解,文章最后提出的偿付能力风险控制对策有待进一步完善。
[Abstract]:After decades of rapid development of the insurance industry in our country, the problem of insufficient solvency is gradually revealed. Solvency is the lifeline of insurance companies, and adequate solvency is the premise and guarantee for the healthy and sustainable development of the insurance industry. This article takes China Life Insurance Co., Ltd. as the research object, emphatically analyzes the influencing factors of the solvency of the Chinese life insurance companies and the reasons for their deficiencies. For the benign development of Chinese life insurance companies, this study has both important theoretical value and practical significance. The article is divided into five chapters. The first chapter is the introduction, which mainly describes the background, research significance, literature review, research ideas and innovation of the thesis; the second chapter summarizes the main risks faced by life insurance companies; The third chapter analyzes the main factors affecting the solvency of Chinese life insurance companies, discusses the internal factors combined with the data of the company, and analyzes the current situation of solvency of Chinese life insurance companies in chapter 4th. Chapter 5th puts forward some suggestions to improve the solvency of Chinese life insurance companies at the corporate and government levels. This paper analyzes the solvency of Chinese life insurance companies and its main influencing factors. Finally, the paper concludes that to improve the solvency of China Life, on the one hand, it is necessary for China Life to improve its management level, to construct its core competitiveness, and to improve its asset management and investment returns. On the other hand, the government should promote the adjustment of product structure through policy regulation, expand the investment channels of life insurance funds and establish the insurance credit mechanism. This paper also has some shortcomings. In the selection of influencing factors of solvency, although combined with the insurance regulatory regulations of the CIRC on life insurance companies, previous empirical analysis results and other relevant research, try to be scientific, objective, However, the selection of influencing factors is still subjective. In addition, due to the limitation of time and energy, the solvency of Chinese life insurance companies can not be fully understood. Finally, the countermeasures of solvency risk control need to be further improved.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842

【参考文献】