本文選題：財(cái)險(xiǎn)公司 + 償付能力　； 參考：《蘇州大學(xué)》2013年碩士論文

【摘要】：保險(xiǎn)公司作為三大金融機(jī)構(gòu)之一，具有管理風(fēng)險(xiǎn)、穩(wěn)定經(jīng)濟(jì)的功能，在國(guó)民經(jīng)濟(jì)中的發(fā)揮著重要作用。保險(xiǎn)公司經(jīng)營(yíng)的安全與穩(wěn)定無論是對(duì)保單持有人、保險(xiǎn)公司還是國(guó)家經(jīng)濟(jì)都具有重要意義。自我國(guó)恢復(fù)保險(xiǎn)業(yè)以來，保費(fèi)收入和在國(guó)民收入中的比例都逐年高速增長(zhǎng)，保險(xiǎn)行業(yè)是中國(guó)最有發(fā)展?jié)摿Φ男袠I(yè)之一。與壽險(xiǎn)相比，財(cái)險(xiǎn)業(yè)務(wù)雖然占保險(xiǎn)市場(chǎng)份額不大，但其增長(zhǎng)速度較快，財(cái)險(xiǎn)保費(fèi)收入占總保費(fèi)收入的比例總體呈上升趨勢(shì)，財(cái)產(chǎn)保險(xiǎn)市場(chǎng)發(fā)展的空間與潛力是巨大的。 2008年的金融危機(jī)給各國(guó)的金融機(jī)構(gòu)都帶來了不小的沖擊，不少國(guó)際知名保險(xiǎn)集團(tuán)都出現(xiàn)了償付能力危機(jī)甚至破產(chǎn)。隨后發(fā)生的歐債危機(jī)，進(jìn)一步對(duì)保險(xiǎn)業(yè)帶來了打擊。面對(duì)越來越復(fù)雜的經(jīng)濟(jì)形勢(shì)與國(guó)際環(huán)境，各國(guó)金融監(jiān)管機(jī)構(gòu)都在研究推行新的監(jiān)管體系。就保險(xiǎn)業(yè)而言，償付能力是監(jiān)管的重點(diǎn)，世界主要國(guó)家和國(guó)際組織的保險(xiǎn)監(jiān)管機(jī)構(gòu)都在積極尋求償付能力監(jiān)管的新模式，我國(guó)也應(yīng)吸取國(guó)際經(jīng)驗(yàn)、立足國(guó)情，加快償付能力監(jiān)管體系的建設(shè)與完善。 本文分為四個(gè)部分：第一部分介紹了研究背景、文章主要結(jié)構(gòu)和文獻(xiàn)綜述；第二部分對(duì)償付能力及償付能力監(jiān)管相關(guān)概念進(jìn)行了概述，分析了我國(guó)財(cái)險(xiǎn)公司償付能力及監(jiān)管現(xiàn)狀；第三部分為實(shí)證部分，采用綜合模型法，選取15家中、外資財(cái)險(xiǎn)公司2007-2011年的財(cái)務(wù)數(shù)據(jù)，利用因子分析法研究了財(cái)險(xiǎn)公司償付能力的影響因素，對(duì)中、外資財(cái)險(xiǎn)公司的償付能力進(jìn)行了對(duì)比分析，實(shí)證結(jié)果顯示我國(guó)中資財(cái)險(xiǎn)公司在承保管理、資產(chǎn)結(jié)構(gòu)等方面與外資財(cái)險(xiǎn)公司存在差距；第四部分根據(jù)前文的分析和實(shí)證結(jié)果，本文從承保、投資、融資和監(jiān)管體系四個(gè)方面對(duì)改善我國(guó)財(cái)險(xiǎn)公司償付能力提出了建議。
[Abstract]:As one of the three major financial institutions, insurance companies have the function of managing risks and stabilizing the economy, and play an important role in the national economy. The safety and stability of insurance companies are of great significance to the policy holders, insurance companies and national economy. Since the resumption of insurance industry in China, the insurance premium income and the proportion of national income have increased rapidly year by year. Insurance industry is one of the most potential industries in China. Compared with life insurance, property insurance accounts for a small share of the insurance market, but its growth rate is relatively fast. The proportion of property insurance premium income to total premium income is on the whole on the rise. The financial crisis of 2008 has brought great impact to the financial institutions of all countries, and many international famous insurance groups have appeared solvency crisis or even bankruptcy. The subsequent European debt crisis further hit the insurance industry. In the face of more and more complex economic situation and international environment, financial regulatory institutions of various countries are studying and implementing new regulatory systems. As far as the insurance industry is concerned, solvency is the key point of supervision. The insurance regulatory bodies of major countries and international organizations are actively seeking a new model of solvency regulation. China should also absorb international experience and base itself on the national conditions. We will speed up the construction and improvement of the solvency supervision system. This paper is divided into four parts: the first part introduces the research background, the main structure of the article and literature review, the second part of the solvency and solvency supervision related concepts are summarized, This paper analyzes the solvency and supervision status of property insurance companies in China. The third part is the empirical part, which uses the comprehensive model method to select 15 foreign property insurance companies' financial data from 2007 to 2011. The factors influencing the solvency of property insurance companies are studied by factor analysis, and the solvency of Chinese and foreign property insurance companies is compared and analyzed. The empirical results show that Chinese property insurance companies are underwriting management. In the fourth part, according to the above analysis and empirical results, this paper puts forward some suggestions to improve the solvency of Chinese property insurance companies from four aspects: underwriting, investment, financing and supervision system.
【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】：2013
【分類號(hào)】：F842.3

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本文編號(hào)：2049678