我国农业保险偿付能力影响因素研究

发布时间：2019-06-17 16:39

【摘要】：本文以我国农业保险的偿付能力及影响因素为研究对象。保险的偿付能力是指保险公司在任何情况下履行其全部责任(主要是保险合同责任)的能力。较为充足的偿付能力说明保险公司具备了良好的财务状况,有能力兑现保险公司的承诺和约定。农业保险因其主要面对农业和农民,在我国受众面广,偿付能力的高低对于农业保险的发展和农村经济的影响较大,因此对于农业保险偿付能力影响因素的研究在整个保险行业里显得尤为重要。本文重点阐述了影响我国农业保险偿付能力的因素。精确分析保险公司的资产、负债和资本状况,是进行农业保险偿付能力判断的前提；适当权衡风险、资本与盈利之间的关系,是理解偿付能力、管理偿付能力的关键。只有正确的判断,才能找到与之匹配的农业保险偿付能力管理方法,并形成一个行之有效的监管体系。经过对国内外相关资料的研究和我国农业保险偿付能力现状的调查,本文提出了一些提高我国农业保险偿付能力的方法,以及解决保险业偿付能力不足的建议。主要内容如下：第一章绪论部分,介绍了国内外对农业保险偿付能力相关问题的研究成果,并结合农业保险自身的特点,指出本文的研究背景和意义；第二章保险偿付能力的评价、分析和防控。从理论基础出发,介绍了偿付能力的概念,农村保险偿付能力及其监管方式等；第三章阐述了我国农业保险偿付能力的现状,分别从法律法规、保险公司性质、需求、供给等角度定性分析我国农业保险偿付能力所处的情况与面临的困难；第四章重点分析影响我国农业保险偿付能力的一些因素,就负债结构、增加资本金、优化国有独资保险公司所有权结构等方面进行了探讨；第五章从农业保险财务报告制度,对经营风险的评价、预警和监控机制,进行动态偿付能力监管的必要性以及保险保障基金的完善等方面,对如何提高我国农业保险偿付能力提出了建议；第六章结论部分。明确了加强农业保险偿付能力监管,是促进我国农业保险健康发展的基础,也是监管部门和保险公司共同的任务和目标。
[Abstract]:This paper takes the solvency and influencing factors of agricultural insurance in China as the research object. The solvency of insurance refers to the ability of an insurance company to perform its full liability (mainly insurance contract liability) under any circumstances. More adequate solvency shows that the insurance company has a good financial situation, has the ability to fulfill the promises and commitments of the insurance company. Because agricultural insurance mainly faces agriculture and farmers, it is widely accepted in our country, and the solvency has a great influence on the development of agricultural insurance and rural economy, so the research on the influencing factors of agricultural insurance solvency is particularly important in the whole insurance industry. This paper focuses on the factors that affect the solvency of agricultural insurance in China. Accurate analysis of the assets, liabilities and capital status of insurance companies is the prerequisite for judging the solvency of agricultural insurance, and properly weighing the relationship between risk, capital and profitability is the key to understand solvency and manage solvency. Only by correct judgment can we find the matching method of agricultural insurance solvency management and form an effective regulatory system. Through the study of the relevant data at home and abroad and the investigation of the present situation of the solvency of agricultural insurance in China, this paper puts forward some methods to improve the solvency of agricultural insurance in China, as well as some suggestions for solving the insufficient solvency of the insurance industry. The main contents are as follows: the first chapter is the introduction, which introduces the research results of agricultural insurance solvency at home and abroad, and points out the research background and significance of this paper according to the characteristics of agricultural insurance itself. The second chapter is the evaluation, analysis and prevention and control of insurance solvency. Based on the theory, this paper introduces the concept of solvency, the solvency of rural insurance and its supervision, etc. The third chapter expounds the present situation of solvency of agricultural insurance in China, and analyzes the situation and difficulties of solvency of agricultural insurance in China from the aspects of laws and regulations, nature of insurance company, demand, supply and so on. The fourth chapter focuses on the analysis of some factors that affect the solvency of agricultural insurance in China, and discusses the debt structure, increasing capital, optimizing the ownership structure of wholly state-owned insurance companies and so on. The fifth chapter puts forward some suggestions on how to improve the solvency of agricultural insurance in China from the aspects of agricultural insurance financial reporting system, evaluation of operational risk, early warning and monitoring mechanism, the necessity of dynamic solvency supervision and the improvement of insurance guarantee fund. It is clear that strengthening the supervision of solvency of agricultural insurance is the basis for promoting the healthy development of agricultural insurance in China, and it is also the common task and goal of regulatory departments and insurance companies.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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