我国保险第二代偿付能力监管体系研究

发布时间：2018-06-26 18:52

  本文选题：偿付能力 + 偿付能力监管　； 参考：《广西大学》2013年硕士论文

【摘要】：偿付能力一直是各国保险监管的核心内容,主要是因为保险公司的偿付能力充足与否关系到保险公司的发展以及消费者的切身利益。保险公司偿付能力充足不仅使被保险人可以得到切实可靠的保障,保险公司也可以持续健康的发展；偿付能力不足则会对整个国民经济的正常运转和社会稳定产生巨大的破坏作用。为了保护消费者的权益,避免保险公司因偿付能力不足而出现无法履约的情况,保险监督管理机构对保险公司的偿付能力必须进行有效监管。 偿付能力监管作为保险监管的核心,是各国保险监管的重要内容,为了顺应市场的需求和国际监管的发展,我国正在构建第二代偿付能力监管体系。本文试图通过对欧Ⅱ偿付能力监管的研究,对我国第二代偿付能力的建设提出建议。 本文一共包含五个章节,第一章导论部分,主要是通过对偿付能力监管现状研究情况的综述来引出本文写作的目的和内容；第二章是偿付能力监管相关理论及改革趋势,首先介绍了偿付能力监管的基本理论,然后介绍了其监管方式以及国际偿付能力监管改革情形；第三章介绍我国偿付能力监管情况,首先回顾了我国偿付能力监管的发展历程,其次介绍了我国偿付能力监管现状以及其存在的问题进行了分析,最后说明我国进行偿付能力改革的必然性；第四章对欧盟偿付能力监管情况进行了分析,首先介绍了欧盟偿付能力标准Ⅰ内容,分析其优点和不足,进而引出了盟最近偿付能力监管改革成果—solvency Ⅱ,最后分析欧Ⅱ之于我国的可借鉴之处；第五章构建第二代偿付能力监管体系及建议,首先,介绍了我国正在构建的第二代偿付能力监管体系,然后介绍了该体系的特点,最后经过分析提出了相关建议。
[Abstract]:Solvency has always been the core content of insurance regulation in various countries, mainly because whether the solvency of insurance companies is sufficient or not is related to the development of insurance companies and the vital interests of consumers. The sufficient solvency of the insurance company not only enables the insured to get reliable protection, but also the insurance company can continue to develop healthily; The insufficiency of solvency will destroy the normal operation and social stability of the whole national economy. In order to protect the rights and interests of consumers and avoid the failure of the insurance company to perform due to its insufficient solvency, the insurance supervisory and regulatory body must supervise the solvency of the insurance company effectively. Solvency regulation, as the core of insurance supervision, is an important part of insurance regulation in various countries. In order to meet the needs of the market and the development of international regulation, our country is constructing the second generation solvency supervision system. This paper attempts to put forward some suggestions on the construction of the second generation solvency of our country through the research on the supervision of Euro II solvency. This paper consists of five chapters, the first chapter is the introduction, mainly through the review of the current situation of solvency regulation to lead to the purpose and content of this paper; the second chapter is the solvency regulation related theory and reform trend. This paper first introduces the basic theory of solvency supervision, then introduces its supervision mode and international solvency supervision reform, the third chapter introduces the situation of solvency supervision in China, first reviews the development course of solvency supervision in China. Secondly, it introduces the current situation of solvency regulation in China and its existing problems, and finally explains the inevitability of solvency reform in China. Firstly, this paper introduces the content of European Union solvency Standard I, analyzes its advantages and disadvantages, and then leads to the recent reform of solvency regulation in the Union-Solvency 鈪，

本文编号：2071061