本文選題：償付能力監(jiān)管　切入點：歐盟償付能力Ⅱ　出處：《河北大學》2013年碩士論文

【摘要】：償付能力監(jiān)管是當今世界各國保險監(jiān)督管理機構對保險業(yè)進行監(jiān)管的核心內容，而我國保險業(yè)對償付能力的監(jiān)管起步較晚，2007年底，我國基本搭建起第一代償付能力監(jiān)管體系。目前國際上保險監(jiān)管分為兩大監(jiān)管體系，即歐盟償付能力監(jiān)管體系（歐Ⅰ）和美國的風險資本監(jiān)管體系（RBC）。金融危機爆發(fā)以后，各個國家開始對本國保險監(jiān)管進行改革，歐盟早在2000年就啟動了新一代償付能力監(jiān)管體系的構建工作，基于政治原因的考慮和金融危機的影響，歐盟在2009年公布了新的償付能力監(jiān)管體系，即歐盟償付能力監(jiān)管Ⅱ（SolvencyⅡ）。為了適應新的監(jiān)管變化，中國保監(jiān)會根據(jù)國內外保險監(jiān)管形勢的發(fā)展，結合我國保險業(yè)監(jiān)管實際情況，，啟動了我國第二代償付能力監(jiān)管制度體系的建設工作。2012年3月29日，保監(jiān)會印發(fā)了關于《中國第二代償付能力監(jiān)管制度體系建設規(guī)劃》計劃在未來三至五年建立起一套既與國際接軌，又與我國監(jiān)管實際情況相適應的償付能力監(jiān)管制度。 我國第二代償付能力監(jiān)管制度體系基本框架由三支柱構成。第一支柱是資本充足要求，即定量監(jiān)管要求；第二支柱是風險管理要求，即定性監(jiān)管要求；第三支柱是信息披露要求。首先，本文通過全面分析歐盟償付能力監(jiān)管Ⅱ體系框架，特別是關于第二支柱的有關內容，提煉歐Ⅱ監(jiān)管體系的核心理念和方法，以探索適合我國償付能力監(jiān)管要求的第二支柱體系；其次，通過比較分析德國的安聯(lián)保險集團和中國平安保險集團的公司治理和風險管理體系，找出我國保險公司在“第二支柱”體系建設方面存在的差距，為構建我國新一代償付能力監(jiān)管體系提供參考。然后，對我國償付能力監(jiān)管體系的發(fā)展歷史進行了梳理，并對“第二支柱”監(jiān)管法規(guī)存在的問題進行了分析。最后，針對“第二支柱”存在的問題，在監(jiān)管法規(guī)、保險公司的治理和風險管理體系的構建以及“第二支柱”與另外兩個支柱如何配合上提出一定建議。
[Abstract]:Solvency supervision is the core content of insurance supervision and management institutions in the world today. However, the supervision of solvency in China started late at the end of 2007, and the first generation solvency supervision system was basically set up in China.At present, the international insurance regulation is divided into two major regulatory systems, namely, the European Union solvency regulatory system (Euro I) and the United States risk capital regulatory system.After the outbreak of the financial crisis, various countries began to reform their insurance regulations. As early as 2000, the European Union started the construction of a new generation of solvency regulatory system, which was based on political considerations and the impact of the financial crisis.In 2009, the European Union announced a new solvency regulatory system, the European Union solvency Regulation II Solvency II.In order to adapt to the new regulatory changes, the CIRC, according to the development of domestic and foreign insurance supervision situation and the actual situation of insurance supervision in China, started the construction of the second generation solvency supervision system in China. On March 29, 2012, the CIRC started the construction of the second generation solvency supervision system in China.The CIRC has issued a plan on the Construction of the second Generation Solvency Supervision system in China. In the next three to five years, the CIRC plans to establish a solvency supervision system that is not only in line with international standards, but also in accordance with the actual situation of China's supervision.The basic framework of the second generation solvency regulatory system in China consists of three pillars.The first pillar is the capital adequacy requirement, that is, the quantitative supervision requirement; the second is the risk management requirement, that is, the qualitative regulation requirement; the third is the information disclosure requirement.First of all, this paper refines the core ideas and methods of the Euro II regulatory system by analyzing the framework of the European Union solvency Regulation II system, especially the related contents of the second pillar.In order to explore the second pillar system suitable for China's solvency supervision, secondly, through comparative analysis of the German Allianz Insurance Group and China Ping an Insurance Group corporate governance and risk management system,To find out the gap in the construction of the "second pillar" system in China's insurance companies, and to provide a reference for the construction of a new generation of solvency supervision system in China.Then, the development history of solvency supervision system in China is combed, and the problems existing in the regulation of "the second pillar" are analyzed.Finally, in view of the existing problems of "the second pillar", some suggestions are put forward on the regulation and regulation, the construction of the insurance company's governance and risk management system, and how to coordinate the "second pillar" with the other two pillars.
【學位授予單位】：河北大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.0

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