C-ROSS规则下我国财险公司最低偿付能力研究
发布时间：2018-10-18 13:41
【摘要】：保险业同人们的生活息息相关。近些年,我国的保险业成长速度很快。偿付能力最低资本要求可以说是保险行业监督管理体系当中的重要环节,对保险公司的风险防范能力、日常经营行为以及资本运作效率具有一定的直接影响力。自2012年起,我国开始了“中国风险导向偿付能力体系”(C-ROSS,本文称“偿二代)的构建工作。2015年2月,中国保险行业监督委员会(CIRC)正式颁布了保险公司偿付能力监管规则(1-17号监管规则),同时要求各保险公司于文件发布日起,依据偿一代规则以及偿二代标准共同实施。偿二代制定的具体规则于2016年开始执行,这一举措预示着我国保险行业偿付能力监管及保险公司自身偿付能力管理进入了一个全新时期。所以偿付能力是保险公司持续运作的保障,在新的时期里,进行严格有序的管理是十分必要的。本文主要阐述了我国偿付能力监督管理的成长过程,依据国际上相关的偿付能力研究,以及我国财产保险公司的已有历史经验数据实现了对相关数据的测算,对于偿二代非寿险业里面可量化风险进行数据分析,通过同偿一代数据进行比较,探讨完善偿二代阶段的偿付能力管理架构中的关键以及需要重视的环节。其中概括了有关偿付能力的理论知识,国外非寿险业务偿付能力监管的主要监管方式以及我国偿付能力管理的成长路程,对我国财险公司基本状况进行概述和探究。
[Abstract]:Insurance is closely related to people's lives. In recent years, China's insurance industry is growing rapidly. The minimum capital requirement of solvency can be said to be an important link in the supervision and management system of insurance industry. It has direct influence on the risk prevention ability, daily operation behavior and capital operation efficiency of insurance companies. Since 2012, China has begun the construction of a risk-oriented solvency system in China (C-ROSS). The China Insurance Industry Supervisory Committee (CIRC) formally promulgated the insurance company solvency supervision rules (No. 1-17), and required the insurance companies to implement jointly according to the compensation generation rules and the compensation two generations standard from the date of release of the documents. The specific rules made by the second generation began to be implemented in 2016, which indicates that China's insurance industry's solvency regulation and insurance companies' solvency management have entered a new period. So solvency is the guarantee of insurance company's continuous operation. In the new period, it is necessary to carry out strict and orderly management. This paper mainly describes the growth process of solvency supervision and management in China, and calculates the relevant data according to the international research on solvency and the existing historical experience data of Chinese property insurance companies. This paper analyzes the quantifiable risk in the non-life insurance industry of the second generation, and discusses the key points and important links in perfecting the solvency management framework of the second generation by comparing with the data of the second generation. It summarizes the theoretical knowledge about solvency, the main supervision methods of non-life insurance business solvency supervision abroad and the growth path of solvency management in China, and summarizes and probes into the basic situation of property insurance companies in China.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3;F840.4
[Abstract]:Insurance is closely related to people's lives. In recent years, China's insurance industry is growing rapidly. The minimum capital requirement of solvency can be said to be an important link in the supervision and management system of insurance industry. It has direct influence on the risk prevention ability, daily operation behavior and capital operation efficiency of insurance companies. Since 2012, China has begun the construction of a risk-oriented solvency system in China (C-ROSS). The China Insurance Industry Supervisory Committee (CIRC) formally promulgated the insurance company solvency supervision rules (No. 1-17), and required the insurance companies to implement jointly according to the compensation generation rules and the compensation two generations standard from the date of release of the documents. The specific rules made by the second generation began to be implemented in 2016, which indicates that China's insurance industry's solvency regulation and insurance companies' solvency management have entered a new period. So solvency is the guarantee of insurance company's continuous operation. In the new period, it is necessary to carry out strict and orderly management. This paper mainly describes the growth process of solvency supervision and management in China, and calculates the relevant data according to the international research on solvency and the existing historical experience data of Chinese property insurance companies. This paper analyzes the quantifiable risk in the non-life insurance industry of the second generation, and discusses the key points and important links in perfecting the solvency management framework of the second generation by comparing with the data of the second generation. It summarizes the theoretical knowledge about solvency, the main supervision methods of non-life insurance business solvency supervision abroad and the growth path of solvency management in China, and summarizes and probes into the basic situation of property insurance companies in China.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.3;F840.4
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