本文關(guān)鍵詞： 非壽險公司 償付能力 償付能力監(jiān)管　出處：《遼寧大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：伴隨改革開放進程的不斷深入，市場環(huán)境的進一步優(yōu)化，中國的保險行業(yè)也經(jīng)歷了跨越式的大發(fā)展，無論是我國保險公司的保費收入水平還是險種開發(fā)程度，都在發(fā)生著日新月異的變化。另外我國的保險深度和保險密度的增長速度也十分突出，2009年全國保費收入突破一萬億元，，比2005年翻了一番，提前實現(xiàn)保險業(yè)“十一五”規(guī)劃目標(biāo)，這標(biāo)志著中國保險市場正在走向成熟、穩(wěn)健發(fā)展的道路。但在迅速發(fā)展的同時我們還需清醒的看到中國保險行業(yè)正面臨的風(fēng)險和困難，非壽險公司的償付能力風(fēng)險就是其中之一。由于目前保險行業(yè)的競爭越來越激烈，許多非壽險公司都面臨償付能力不足的危機，這無疑是對被保險人利益、保險業(yè)的發(fā)展和整個社會的穩(wěn)定造成不良影響的潛在威脅。因此，完善我國非壽險公司償付能力監(jiān)管體系具有重要的現(xiàn)實意義。 本文通過理論與實際相結(jié)合、定量分析配合定性分析及比較借鑒的研究方法，從以下五個方面對中國非壽險公司償付能力監(jiān)管方法進行研究： 第一部分緒論介紹論文的選題背景、國外和國內(nèi)的研究現(xiàn)狀、研究思路和內(nèi)容以及本文的創(chuàng)新觀點和有待進一步研究的不足之處。第二部分介紹有關(guān)償付能力基本概念、經(jīng)濟內(nèi)涵、償付能力額度及影響因素，并概述了償付能力監(jiān)管的必要性、層次、償付能力監(jiān)管體系的構(gòu)建及非壽險公司償付能力面臨的風(fēng)險。第四部分結(jié)合我國實際情況介紹了我國非壽險償付能力監(jiān)管內(nèi)容、償付能力額度、償付能力監(jiān)管指標(biāo)體系即現(xiàn)階段監(jiān)管不足。第三部分介紹了兩種國際上較成熟也最為典型的非壽險償付能力監(jiān)管體系即英國型和美國型，介紹了兩國的監(jiān)管理念及監(jiān)管指標(biāo)體系，并在立足國情的基礎(chǔ)之上，探討可供我國非壽險監(jiān)管借鑒的經(jīng)驗。第四部分是論文的核心，也是論文主要創(chuàng)新點所在，分別從完善非壽險公司內(nèi)控機制、完善非壽險償付能力監(jiān)管指標(biāo)體系、建立保險公司信用評級制度和完善我國保險行業(yè)退出機制四個層面，對我國非壽險業(yè)償付能力監(jiān)管提出完善建議，使我國的非壽險償付能力監(jiān)管更加有效。
[Abstract]:With the deepening of the reform and opening up process and the further optimization of the market environment, the insurance industry in China has also experienced a great development by leaps and bounds, regardless of the insurance premium income level of our insurance companies or the degree of insurance development. In addition, the growth rate of insurance depth and insurance density in China is also very prominent. In 2009, the national premium income exceeded 1 tillion yuan, double that of 2005, so that the insurance industry's "eleventh five-year plan" target was achieved ahead of time. This is a sign that the Chinese insurance market is moving towards maturity and steady development. However, while developing rapidly, we also need to soberly see the risks and difficulties that China's insurance industry is facing. The solvency risk of non-life insurance companies is one of them. Because of the increasing competition in the insurance industry, many non-life insurance companies are facing a crisis of insufficient solvency, which is undoubtedly in the interest of the insured. The development of the insurance industry and the stability of the whole society pose a potential threat to the adverse impact. Therefore, it is of great practical significance to improve the solvency supervision system of non-life insurance companies in China. Through the combination of theory and practice, quantitative analysis and qualitative analysis and comparative study methods, this paper studies the solvency supervision methods of non-life insurance companies in China from the following five aspects:. The first part of the introduction introduces the background of the topic, the current research situation abroad and domestic, the research ideas and contents, the innovative ideas of this paper and the shortcomings to be further studied. The second part introduces the basic concepts of solvency. The economic connotation, solvency quota and influencing factors are summarized, and the necessity and level of solvency supervision are summarized. The construction of solvency supervision system and the risk to solvency of non-life insurance companies. Part 4th introduces the content of non-life insurance solvency supervision, solvency quota, combined with the actual situation in China. The third part introduces two kinds of non-life insurance solvency supervision system which is the British type and the American type, which is more mature and the most typical in the world. This paper introduces the supervision idea and the supervision index system of the two countries, and on the basis of the national conditions, discusses the experience that can be used for reference by the non-life insurance supervision in our country. Part 4th is the core of the paper, and it is also the main innovation point of the paper. From four aspects: perfecting the internal control mechanism of non-life insurance companies, perfecting the supervision index system of non-life insurance solvency, establishing the credit rating system of insurance companies and perfecting the exit mechanism of China's insurance industry. To improve the supervision of non-life insurance solvency in China, the supervision of non-life insurance solvency in China is more effective.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.3

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本文編號：1554236