中国非寿险偿付能力监管研究

发布时间：2018-03-02 00:21

本文关键词： 非寿险公司偿付能力偿付能力监管　出处：《辽宁大学》2013年硕士论文　论文类型：学位论文

【摘要】：伴随改革开放进程的不断深入，市场环境的进一步优化，中国的保险行业也经历了跨越式的大发展，无论是我国保险公司的保费收入水平还是险种开发程度，都在发生着日新月异的变化。另外我国的保险深度和保险密度的增长速度也十分突出，2009年全国保费收入突破一万亿元，，比2005年翻了一番，提前实现保险业“十一五”规划目标，这标志着中国保险市场正在走向成熟、稳健发展的道路。但在迅速发展的同时我们还需清醒的看到中国保险行业正面临的风险和困难，非寿险公司的偿付能力风险就是其中之一。由于目前保险行业的竞争越来越激烈，许多非寿险公司都面临偿付能力不足的危机，这无疑是对被保险人利益、保险业的发展和整个社会的稳定造成不良影响的潜在威胁。因此，完善我国非寿险公司偿付能力监管体系具有重要的现实意义。本文通过理论与实际相结合、定量分析配合定性分析及比较借鉴的研究方法，从以下五个方面对中国非寿险公司偿付能力监管方法进行研究：第一部分绪论介绍论文的选题背景、国外和国内的研究现状、研究思路和内容以及本文的创新观点和有待进一步研究的不足之处。第二部分介绍有关偿付能力基本概念、经济内涵、偿付能力额度及影响因素，并概述了偿付能力监管的必要性、层次、偿付能力监管体系的构建及非寿险公司偿付能力面临的风险。第四部分结合我国实际情况介绍了我国非寿险偿付能力监管内容、偿付能力额度、偿付能力监管指标体系即现阶段监管不足。第三部分介绍了两种国际上较成熟也最为典型的非寿险偿付能力监管体系即英国型和美国型，介绍了两国的监管理念及监管指标体系，并在立足国情的基础之上，探讨可供我国非寿险监管借鉴的经验。第四部分是论文的核心，也是论文主要创新点所在，分别从完善非寿险公司内控机制、完善非寿险偿付能力监管指标体系、建立保险公司信用评级制度和完善我国保险行业退出机制四个层面，对我国非寿险业偿付能力监管提出完善建议，使我国的非寿险偿付能力监管更加有效。
[Abstract]:With the deepening of the reform and opening up process and the further optimization of the market environment, the insurance industry in China has also experienced a great development by leaps and bounds, regardless of the insurance premium income level of our insurance companies or the degree of insurance development. In addition, the growth rate of insurance depth and insurance density in China is also very prominent. In 2009, the national premium income exceeded 1 tillion yuan, double that of 2005, so that the insurance industry's "eleventh five-year plan" target was achieved ahead of time. This is a sign that the Chinese insurance market is moving towards maturity and steady development. However, while developing rapidly, we also need to soberly see the risks and difficulties that China's insurance industry is facing. The solvency risk of non-life insurance companies is one of them. Because of the increasing competition in the insurance industry, many non-life insurance companies are facing a crisis of insufficient solvency, which is undoubtedly in the interest of the insured. The development of the insurance industry and the stability of the whole society pose a potential threat to the adverse impact. Therefore, it is of great practical significance to improve the solvency supervision system of non-life insurance companies in China. Through the combination of theory and practice, quantitative analysis and qualitative analysis and comparative study methods, this paper studies the solvency supervision methods of non-life insurance companies in China from the following five aspects:. The first part of the introduction introduces the background of the topic, the current research situation abroad and domestic, the research ideas and contents, the innovative ideas of this paper and the shortcomings to be further studied. The second part introduces the basic concepts of solvency. The economic connotation, solvency quota and influencing factors are summarized, and the necessity and level of solvency supervision are summarized. The construction of solvency supervision system and the risk to solvency of non-life insurance companies. Part 4th introduces the content of non-life insurance solvency supervision, solvency quota, combined with the actual situation in China. The third part introduces two kinds of non-life insurance solvency supervision system which is the British type and the American type, which is more mature and the most typical in the world. This paper introduces the supervision idea and the supervision index system of the two countries, and on the basis of the national conditions, discusses the experience that can be used for reference by the non-life insurance supervision in our country. Part 4th is the core of the paper, and it is also the main innovation point of the paper. From four aspects: perfecting the internal control mechanism of non-life insurance companies, perfecting the supervision index system of non-life insurance solvency, establishing the credit rating system of insurance companies and perfecting the exit mechanism of China's insurance industry. To improve the supervision of non-life insurance solvency in China, the supervision of non-life insurance solvency in China is more effective.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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