偿付能力监管体系“第二支柱”问题研究

发布时间：2018-04-03 09:08

本文选题：偿付能力监管　切入点：欧盟偿付能力Ⅱ　出处：《河北大学》2013年硕士论文

【摘要】：偿付能力监管是当今世界各国保险监督管理机构对保险业进行监管的核心内容，而我国保险业对偿付能力的监管起步较晚，2007年底，我国基本搭建起第一代偿付能力监管体系。目前国际上保险监管分为两大监管体系，即欧盟偿付能力监管体系（欧Ⅰ）和美国的风险资本监管体系（RBC）。金融危机爆发以后，各个国家开始对本国保险监管进行改革，欧盟早在2000年就启动了新一代偿付能力监管体系的构建工作，基于政治原因的考虑和金融危机的影响，欧盟在2009年公布了新的偿付能力监管体系，即欧盟偿付能力监管Ⅱ（SolvencyⅡ）。为了适应新的监管变化，中国保监会根据国内外保险监管形势的发展，结合我国保险业监管实际情况，，启动了我国第二代偿付能力监管制度体系的建设工作。2012年3月29日，保监会印发了关于《中国第二代偿付能力监管制度体系建设规划》计划在未来三至五年建立起一套既与国际接轨，又与我国监管实际情况相适应的偿付能力监管制度。我国第二代偿付能力监管制度体系基本框架由三支柱构成。第一支柱是资本充足要求，即定量监管要求；第二支柱是风险管理要求，即定性监管要求；第三支柱是信息披露要求。首先，本文通过全面分析欧盟偿付能力监管Ⅱ体系框架，特别是关于第二支柱的有关内容，提炼欧Ⅱ监管体系的核心理念和方法，以探索适合我国偿付能力监管要求的第二支柱体系；其次，通过比较分析德国的安联保险集团和中国平安保险集团的公司治理和风险管理体系，找出我国保险公司在“第二支柱”体系建设方面存在的差距，为构建我国新一代偿付能力监管体系提供参考。然后，对我国偿付能力监管体系的发展历史进行了梳理，并对“第二支柱”监管法规存在的问题进行了分析。最后，针对“第二支柱”存在的问题，在监管法规、保险公司的治理和风险管理体系的构建以及“第二支柱”与另外两个支柱如何配合上提出一定建议。
[Abstract]:Solvency supervision is the core content of insurance supervision and management institutions in the world today. However, the supervision of solvency in China started late at the end of 2007, and the first generation solvency supervision system was basically set up in China.At present, the international insurance regulation is divided into two major regulatory systems, namely, the European Union solvency regulatory system (Euro I) and the United States risk capital regulatory system.After the outbreak of the financial crisis, various countries began to reform their insurance regulations. As early as 2000, the European Union started the construction of a new generation of solvency regulatory system, which was based on political considerations and the impact of the financial crisis.In 2009, the European Union announced a new solvency regulatory system, the European Union solvency Regulation II Solvency II.In order to adapt to the new regulatory changes, the CIRC, according to the development of domestic and foreign insurance supervision situation and the actual situation of insurance supervision in China, started the construction of the second generation solvency supervision system in China. On March 29, 2012, the CIRC started the construction of the second generation solvency supervision system in China.The CIRC has issued a plan on the Construction of the second Generation Solvency Supervision system in China. In the next three to five years, the CIRC plans to establish a solvency supervision system that is not only in line with international standards, but also in accordance with the actual situation of China's supervision.The basic framework of the second generation solvency regulatory system in China consists of three pillars.The first pillar is the capital adequacy requirement, that is, the quantitative supervision requirement; the second is the risk management requirement, that is, the qualitative regulation requirement; the third is the information disclosure requirement.First of all, this paper refines the core ideas and methods of the Euro II regulatory system by analyzing the framework of the European Union solvency Regulation II system, especially the related contents of the second pillar.In order to explore the second pillar system suitable for China's solvency supervision, secondly, through comparative analysis of the German Allianz Insurance Group and China Ping an Insurance Group corporate governance and risk management system,To find out the gap in the construction of the "second pillar" system in China's insurance companies, and to provide a reference for the construction of a new generation of solvency supervision system in China.Then, the development history of solvency supervision system in China is combed, and the problems existing in the regulation of "the second pillar" are analyzed.Finally, in view of the existing problems of "the second pillar", some suggestions are put forward on the regulation and regulation, the construction of the insurance company's governance and risk management system, and how to coordinate the "second pillar" with the other two pillars.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.0

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