我国财险公司偿付能力的实证研究

发布时间：2018-06-21 18:54

本文选题：财险公司 + 偿付能力　；参考：《苏州大学》2013年硕士论文

【摘要】：保险公司作为三大金融机构之一，具有管理风险、稳定经济的功能，在国民经济中的发挥着重要作用。保险公司经营的安全与稳定无论是对保单持有人、保险公司还是国家经济都具有重要意义。自我国恢复保险业以来，保费收入和在国民收入中的比例都逐年高速增长，保险行业是中国最有发展潜力的行业之一。与寿险相比，财险业务虽然占保险市场份额不大，但其增长速度较快，财险保费收入占总保费收入的比例总体呈上升趋势，财产保险市场发展的空间与潜力是巨大的。 2008年的金融危机给各国的金融机构都带来了不小的冲击，不少国际知名保险集团都出现了偿付能力危机甚至破产。随后发生的欧债危机，进一步对保险业带来了打击。面对越来越复杂的经济形势与国际环境，各国金融监管机构都在研究推行新的监管体系。就保险业而言，偿付能力是监管的重点，世界主要国家和国际组织的保险监管机构都在积极寻求偿付能力监管的新模式，我国也应吸取国际经验、立足国情，加快偿付能力监管体系的建设与完善。本文分为四个部分：第一部分介绍了研究背景、文章主要结构和文献综述；第二部分对偿付能力及偿付能力监管相关概念进行了概述，分析了我国财险公司偿付能力及监管现状；第三部分为实证部分，采用综合模型法，选取15家中、外资财险公司2007-2011年的财务数据，利用因子分析法研究了财险公司偿付能力的影响因素，对中、外资财险公司的偿付能力进行了对比分析，实证结果显示我国中资财险公司在承保管理、资产结构等方面与外资财险公司存在差距；第四部分根据前文的分析和实证结果，本文从承保、投资、融资和监管体系四个方面对改善我国财险公司偿付能力提出了建议。
[Abstract]:As one of the three major financial institutions, insurance companies have the function of managing risks and stabilizing the economy, and play an important role in the national economy. The safety and stability of insurance companies are of great significance to the policy holders, insurance companies and national economy. Since the resumption of insurance industry in China, the insurance premium income and the proportion of national income have increased rapidly year by year. Insurance industry is one of the most potential industries in China. Compared with life insurance, property insurance accounts for a small share of the insurance market, but its growth rate is relatively fast. The proportion of property insurance premium income to total premium income is on the whole on the rise. The financial crisis of 2008 has brought great impact to the financial institutions of all countries, and many international famous insurance groups have appeared solvency crisis or even bankruptcy. The subsequent European debt crisis further hit the insurance industry. In the face of more and more complex economic situation and international environment, financial regulatory institutions of various countries are studying and implementing new regulatory systems. As far as the insurance industry is concerned, solvency is the key point of supervision. The insurance regulatory bodies of major countries and international organizations are actively seeking a new model of solvency regulation. China should also absorb international experience and base itself on the national conditions. We will speed up the construction and improvement of the solvency supervision system. This paper is divided into four parts: the first part introduces the research background, the main structure of the article and literature review, the second part of the solvency and solvency supervision related concepts are summarized, This paper analyzes the solvency and supervision status of property insurance companies in China. The third part is the empirical part, which uses the comprehensive model method to select 15 foreign property insurance companies' financial data from 2007 to 2011. The factors influencing the solvency of property insurance companies are studied by factor analysis, and the solvency of Chinese and foreign property insurance companies is compared and analyzed. The empirical results show that Chinese property insurance companies are underwriting management. In the fourth part, according to the above analysis and empirical results, this paper puts forward some suggestions to improve the solvency of Chinese property insurance companies from four aspects: underwriting, investment, financing and supervision system.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

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