本文關(guān)鍵詞： 保險公司 償二代 償付能力 流動性管理　出處：《安徽工業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著經(jīng)濟發(fā)展水平的提高,人們預(yù)防風(fēng)險和災(zāi)害規(guī)避意識越來越強,這使得保險行業(yè)近幾年迅速發(fā)展。為了更好的促進保險行業(yè)穩(wěn)定健康的發(fā)展,保監(jiān)會在經(jīng)過幾年的探討研究后,在2015年正式推出了第二代償付能力體系(以下簡稱償二代)的監(jiān)管制度,保險行業(yè)的發(fā)展至此掀開了一個新的篇章。對于保險公司而言,“償二代”既是機遇又是挑戰(zhàn)。在新的機遇和挑戰(zhàn)面前如何進行公司內(nèi)部資產(chǎn)負債流動性管理變得尤為重要。本文圍繞償二代新背景展開,首先對償二代監(jiān)管體系做出了完整詳細的介紹,并與償一代進行比較總結(jié)其不同之處。接著總結(jié)償二代對于保險公司資產(chǎn)負債管理會產(chǎn)生的影響并且分析這種影響會使保險公司資產(chǎn)負債的流動性產(chǎn)生何種變化,由于保險公司的業(yè)務(wù)規(guī)模和經(jīng)營模式的不同,這種影響對于中小型保險公司較大,對于大型保險公司影響相對較小。隨后重點引入具有典型分析意義的前海人壽公司進行研究,償二代前后其資產(chǎn)負債流動性產(chǎn)的變化和償二代實施后前海人壽在資產(chǎn)負債流動性方面的不足、存在的的問題。最后結(jié)合保險市場發(fā)展的新背景對在償二代下解決相關(guān)流動性問題給予建議和具體管理措施。文章采用了定量分析和案例分析相結(jié)合的研究方法。在新的背景下考慮到新的情況對保險公司資產(chǎn)負債流動性進行研究,保險公司其投資對象的風(fēng)險性、負債上的不確定性以及保險責(zé)任的未來性等經(jīng)營特性與市場外部環(huán)境融合交織,使保險公司成為風(fēng)險較高的行業(yè),這也是監(jiān)管機構(gòu)開展償二代監(jiān)管的重要原因。流動性又可稱為短期償付能力,是保險公司實現(xiàn)長期穩(wěn)定經(jīng)營的必要條件,是公司經(jīng)營發(fā)展的內(nèi)在要求,因此對于保險公司而言資產(chǎn)負債流動性的研究可以為保險公司在償二代下更穩(wěn)定的發(fā)展提供現(xiàn)實指導(dǎo)意義。
[Abstract]:With the improvement of economic development level, people's awareness of risk prevention and disaster avoidance is becoming stronger and stronger, which makes the insurance industry develop rapidly in recent years. After several years of discussion and study, the CIRC formally introduced the second generation solvency system (hereinafter referred to as the second generation) in 2015. The development of the insurance industry has opened a new chapter. For insurance companies, "repaying the second generation" is both an opportunity and a challenge. In the face of new opportunities and challenges, how to manage the liquidity of assets and liabilities within the company becomes. This paper focuses on the new background of the second generation. First of all, it makes a complete and detailed introduction to the second generation supervision system. Then it summarizes the impact of the second generation on the asset liability management of insurance companies and analyzes how the impact will make the liquidity of assets and liabilities of insurance companies change. Because of the different business scale and business model of the insurance company, this kind of influence is bigger for the small and medium-sized insurance company, and relatively small for the large insurance company. Subsequently, it focuses on the introduction of the typical analytical significance of Qianhai Life Insurance Company to carry on the research. Before and after the second generation of compensation, the assets and liabilities of the assets and liabilities of the assets and liabilities of the changes and after the implementation of the second generation of Qianhai Life in terms of assets and liabilities liquidity, Finally, according to the new background of the development of insurance market, the paper gives some suggestions and concrete management measures to solve the related liquidity problem under the second generation. The paper adopts the research method of combining quantitative analysis and case analysis. To study the asset-liability liquidity of insurance companies in the new context, taking into account new circumstances, The risk of the investment object, the uncertainty on the liability and the future of the insurance liability of the insurance company are intertwined with the external market environment, which makes the insurance company become a high-risk industry. This is also an important reason for the regulators to carry out the second generation supervision. Liquidity, which is also called short-term solvency, is the necessary condition for the insurance companies to realize long-term stable operation and the inherent requirement for the development of the company's operation. Therefore, the study of asset-liability liquidity for insurance companies can provide practical guidance for the more stable development of insurance companies in the second generation.
【學(xué)位授予單位】：安徽工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.3;F840.4

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