本文關(guān)鍵詞： 動(dòng)態(tài)償付能力測(cè)試 保險(xiǎn)業(yè) 償付能力監(jiān)管　出處：《蘇州大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：保險(xiǎn)業(yè)生而就是一個(gè)比較特殊的行業(yè)，其以風(fēng)險(xiǎn)作為經(jīng)營(yíng)對(duì)象，它的發(fā)展不僅關(guān)乎其自身，更關(guān)系到社會(huì)穩(wěn)定和經(jīng)濟(jì)發(fā)展，它在國(guó)民經(jīng)濟(jì)中扮演著重要的角色。我國(guó)保險(xiǎn)業(yè)發(fā)展三十余年，取得不錯(cuò)的成績(jī)，但保險(xiǎn)公司償付能力不足的問(wèn)題不容忽視。目前我國(guó)采用的是靜態(tài)償付能力指標(biāo)監(jiān)管模式，在如今金融風(fēng)險(xiǎn)頻發(fā)的時(shí)代，這種模式已漸漸顯得力不從心。因此為加強(qiáng)償付能力管理和風(fēng)險(xiǎn)防范，動(dòng)態(tài)償付能力監(jiān)管被引入到我國(guó)監(jiān)管體系之中。本文正是基于此對(duì)動(dòng)態(tài)償付能力監(jiān)管模式展開研究。 本文主要從動(dòng)態(tài)視角出發(fā)對(duì)怎樣完善我國(guó)保險(xiǎn)業(yè)償付能力監(jiān)管展開研究和分析。文章運(yùn)用對(duì)比分析法和實(shí)證分析法，首先對(duì)我國(guó)保險(xiǎn)業(yè)償付能力定義、監(jiān)管歷程、現(xiàn)狀及局限性等進(jìn)行理論梳理；其次對(duì)動(dòng)態(tài)償付能力測(cè)試方法的相關(guān)理論進(jìn)行闡述；再次結(jié)合我國(guó)保險(xiǎn)業(yè)實(shí)際情況，對(duì)動(dòng)態(tài)償付能力測(cè)試方法應(yīng)用的區(qū)間選擇、基本假設(shè)、不利情景等進(jìn)行具體的分析，并對(duì)財(cái)險(xiǎn)和壽險(xiǎn)分別進(jìn)行實(shí)證分析，以找出在測(cè)試時(shí)需要重點(diǎn)關(guān)注的風(fēng)險(xiǎn)因素和可以剔除的選項(xiàng)；最后文章根據(jù)前文的研究和分析提出一些建議。 本文經(jīng)過(guò)分析研究認(rèn)為，當(dāng)前我國(guó)很有必要引入動(dòng)態(tài)償付能力監(jiān)管模式，而動(dòng)態(tài)償付能力測(cè)試方法則是其中最適合我國(guó)國(guó)情的模式，它的加入將對(duì)我國(guó)靜態(tài)監(jiān)管體系起到補(bǔ)充、促進(jìn)的作用。因此為更好的運(yùn)用動(dòng)態(tài)償付能力測(cè)試方法，完善監(jiān)管體系，本文建議加快建設(shè)三大配套制度體系，同時(shí)在具體測(cè)試時(shí)應(yīng)該加大測(cè)試區(qū)間。另外由于財(cái)險(xiǎn)和壽險(xiǎn)業(yè)務(wù)性質(zhì)不同，，應(yīng)該區(qū)別對(duì)待，設(shè)置不同的標(biāo)準(zhǔn)并鼓勵(lì)公司考慮更多更適合的風(fēng)險(xiǎn)因素，以讓測(cè)試更加準(zhǔn)確、監(jiān)管更加有效。
[Abstract]:The insurance industry is a relatively special industry. It takes risk as its business object. Its development is not only related to itself, but also to social stability and economic development. It plays an important role in the national economy. China's insurance industry has achieved good results for more than 30 years, but the problem of insufficient solvency of insurance companies should not be ignored. In the era of frequent financial risks, this model has gradually become inadequate. Therefore, in order to strengthen solvency management and risk prevention, Dynamic solvency regulation has been introduced into China's regulatory system. This article mainly from the dynamic angle of view to how to perfect our country insurance solvency supervision to carry on the research and the analysis. The article uses the contrast analysis method and the positive analysis method, first of all, to our country insurance industry solvency definition, the supervision course, The current situation and limitations of the theoretical carding; secondly, the dynamic solvency test method related to the theory; again, combined with the actual situation of the insurance industry, the dynamic solvency test method of interval selection, basic assumptions, In order to find out the risk factors that need to be paid attention to and the options that can be eliminated, the paper puts forward some suggestions according to the previous research and analysis. Through the analysis and study, this paper thinks that it is necessary to introduce the dynamic solvency supervision mode in China, and the dynamic solvency test method is the most suitable model for the situation of our country. Its entry will complement and promote the static supervision system of our country. Therefore, in order to better use the dynamic solvency test method and perfect the supervision system, this paper suggests to speed up the construction of three supporting systems. In addition, because of the different nature of property and life insurance business, we should treat them differently, set different standards and encourage companies to consider more suitable risk factors to make the tests more accurate. Regulation is more effective.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張明立;吳鳳山;;情景分析法——一種經(jīng)濟(jì)預(yù)測(cè)方法[J];決策借鑒;1992年03期

2 劉艷玲;董力;李永;;我國(guó)非壽險(xiǎn)公司最低償付能力的實(shí)證研究[J];經(jīng)濟(jì)論壇;2009年09期

3 黃f3;王海艷;;中國(guó)產(chǎn)險(xiǎn)、壽險(xiǎn)公司償付能力影響因素對(duì)比分析[J];經(jīng)濟(jì)論壇;2011年01期

4 劉璐;金素;;保險(xiǎn)公司資產(chǎn)負(fù)債管理中DFA模型的構(gòu)建[J];金融教學(xué)與研究;2010年05期

5 非壽險(xiǎn)業(yè)務(wù)的動(dòng)態(tài)償付能力測(cè)試研究課題組;周樹瑞;周厚杰;朱鼎朝;;非壽險(xiǎn)業(yè)務(wù)的動(dòng)態(tài)償付能力測(cè)試研究[J];金融會(huì)計(jì);2011年03期

6 韓亮;賀棟;;基于財(cái)務(wù)視角的保險(xiǎn)公司償付能力監(jiān)管分析[J];金融與經(jīng)濟(jì);2010年06期

7 陳迪紅;陳曉鈴;;財(cái)險(xiǎn)公司償付能力影響因素對(duì)比分析[J];經(jīng)濟(jì)數(shù)學(xué);2013年02期

8 占?jí)粞?我國(guó)保險(xiǎn)償付能力監(jiān)管指標(biāo)體系的實(shí)證檢驗(yàn)[J];上海金融;2005年11期

9 宗蓓華;戰(zhàn)略預(yù)測(cè)中的情景分析法[J];預(yù)測(cè);1994年02期

10 陳迪紅,周麗娟;動(dòng)態(tài)償付能力測(cè)試在保險(xiǎn)公司償付能力監(jiān)管中的應(yīng)用[J];中國(guó)保險(xiǎn)管理干部學(xué)院學(xué)報(bào);2002年03期

相關(guān)博士學(xué)位論文 前1條

1 張勇;壽險(xiǎn)公司償付能力監(jiān)管有效性研究[D];南開大學(xué);2009年

本文編號(hào)：1514499