發(fā)布時(shí)間：2018-10-18 13:41

【摘要】：保險(xiǎn)業(yè)同人們的生活息息相關(guān)。近些年,我國(guó)的保險(xiǎn)業(yè)成長(zhǎng)速度很快。償付能力最低資本要求可以說(shuō)是保險(xiǎn)行業(yè)監(jiān)督管理體系當(dāng)中的重要環(huán)節(jié),對(duì)保險(xiǎn)公司的風(fēng)險(xiǎn)防范能力、日常經(jīng)營(yíng)行為以及資本運(yùn)作效率具有一定的直接影響力。自2012年起,我國(guó)開(kāi)始了“中國(guó)風(fēng)險(xiǎn)導(dǎo)向償付能力體系”(C-ROSS,本文稱“償二代)的構(gòu)建工作。2015年2月,中國(guó)保險(xiǎn)行業(yè)監(jiān)督委員會(huì)(CIRC)正式頒布了保險(xiǎn)公司償付能力監(jiān)管規(guī)則(1-17號(hào)監(jiān)管規(guī)則),同時(shí)要求各保險(xiǎn)公司于文件發(fā)布日起,依據(jù)償一代規(guī)則以及償二代標(biāo)準(zhǔn)共同實(shí)施。償二代制定的具體規(guī)則于2016年開(kāi)始執(zhí)行,這一舉措預(yù)示著我國(guó)保險(xiǎn)行業(yè)償付能力監(jiān)管及保險(xiǎn)公司自身償付能力管理進(jìn)入了一個(gè)全新時(shí)期。所以償付能力是保險(xiǎn)公司持續(xù)運(yùn)作的保障,在新的時(shí)期里,進(jìn)行嚴(yán)格有序的管理是十分必要的。本文主要闡述了我國(guó)償付能力監(jiān)督管理的成長(zhǎng)過(guò)程,依據(jù)國(guó)際上相關(guān)的償付能力研究,以及我國(guó)財(cái)產(chǎn)保險(xiǎn)公司的已有歷史經(jīng)驗(yàn)數(shù)據(jù)實(shí)現(xiàn)了對(duì)相關(guān)數(shù)據(jù)的測(cè)算,對(duì)于償二代非壽險(xiǎn)業(yè)里面可量化風(fēng)險(xiǎn)進(jìn)行數(shù)據(jù)分析,通過(guò)同償一代數(shù)據(jù)進(jìn)行比較,探討完善償二代階段的償付能力管理架構(gòu)中的關(guān)鍵以及需要重視的環(huán)節(jié)。其中概括了有關(guān)償付能力的理論知識(shí),國(guó)外非壽險(xiǎn)業(yè)務(wù)償付能力監(jiān)管的主要監(jiān)管方式以及我國(guó)償付能力管理的成長(zhǎng)路程,對(duì)我國(guó)財(cái)險(xiǎn)公司基本狀況進(jìn)行概述和探究。
[Abstract]:Insurance is closely related to people's lives. In recent years, China's insurance industry is growing rapidly. The minimum capital requirement of solvency can be said to be an important link in the supervision and management system of insurance industry. It has direct influence on the risk prevention ability, daily operation behavior and capital operation efficiency of insurance companies. Since 2012, China has begun the construction of a risk-oriented solvency system in China (C-ROSS). The China Insurance Industry Supervisory Committee (CIRC) formally promulgated the insurance company solvency supervision rules (No. 1-17), and required the insurance companies to implement jointly according to the compensation generation rules and the compensation two generations standard from the date of release of the documents. The specific rules made by the second generation began to be implemented in 2016, which indicates that China's insurance industry's solvency regulation and insurance companies' solvency management have entered a new period. So solvency is the guarantee of insurance company's continuous operation. In the new period, it is necessary to carry out strict and orderly management. This paper mainly describes the growth process of solvency supervision and management in China, and calculates the relevant data according to the international research on solvency and the existing historical experience data of Chinese property insurance companies. This paper analyzes the quantifiable risk in the non-life insurance industry of the second generation, and discusses the key points and important links in perfecting the solvency management framework of the second generation by comparing with the data of the second generation. It summarizes the theoretical knowledge about solvency, the main supervision methods of non-life insurance business solvency supervision abroad and the growth path of solvency management in China, and summarizes and probes into the basic situation of property insurance companies in China.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.3;F840.4

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本文編號(hào)：2279298