【摘要】：本文以我國農(nóng)業(yè)保險的償付能力及影響因素為研究對象。保險的償付能力是指保險公司在任何情況下履行其全部責(zé)任(主要是保險合同責(zé)任)的能力。較為充足的償付能力說明保險公司具備了良好的財務(wù)狀況,有能力兌現(xiàn)保險公司的承諾和約定。農(nóng)業(yè)保險因其主要面對農(nóng)業(yè)和農(nóng)民,在我國受眾面廣,償付能力的高低對于農(nóng)業(yè)保險的發(fā)展和農(nóng)村經(jīng)濟(jì)的影響較大,因此對于農(nóng)業(yè)保險償付能力影響因素的研究在整個保險行業(yè)里顯得尤為重要。 本文重點(diǎn)闡述了影響我國農(nóng)業(yè)保險償付能力的因素。精確分析保險公司的資產(chǎn)、負(fù)債和資本狀況,是進(jìn)行農(nóng)業(yè)保險償付能力判斷的前提；適當(dāng)權(quán)衡風(fēng)險、資本與盈利之間的關(guān)系,是理解償付能力、管理償付能力的關(guān)鍵。只有正確的判斷,才能找到與之匹配的農(nóng)業(yè)保險償付能力管理方法,并形成一個行之有效的監(jiān)管體系。經(jīng)過對國內(nèi)外相關(guān)資料的研究和我國農(nóng)業(yè)保險償付能力現(xiàn)狀的調(diào)查,本文提出了一些提高我國農(nóng)業(yè)保險償付能力的方法,以及解決保險業(yè)償付能力不足的建議。 主要內(nèi)容如下：第一章緒論部分,介紹了國內(nèi)外對農(nóng)業(yè)保險償付能力相關(guān)問題的研究成果,并結(jié)合農(nóng)業(yè)保險自身的特點(diǎn),指出本文的研究背景和意義；第二章保險償付能力的評價、分析和防控。從理論基礎(chǔ)出發(fā),介紹了償付能力的概念,農(nóng)村保險償付能力及其監(jiān)管方式等；第三章闡述了我國農(nóng)業(yè)保險償付能力的現(xiàn)狀,分別從法律法規(guī)、保險公司性質(zhì)、需求、供給等角度定性分析我國農(nóng)業(yè)保險償付能力所處的情況與面臨的困難；第四章重點(diǎn)分析影響我國農(nóng)業(yè)保險償付能力的一些因素,就負(fù)債結(jié)構(gòu)、增加資本金、優(yōu)化國有獨(dú)資保險公司所有權(quán)結(jié)構(gòu)等方面進(jìn)行了探討；第五章從農(nóng)業(yè)保險財務(wù)報告制度,對經(jīng)營風(fēng)險的評價、預(yù)警和監(jiān)控機(jī)制,進(jìn)行動態(tài)償付能力監(jiān)管的必要性以及保險保障基金的完善等方面,對如何提高我國農(nóng)業(yè)保險償付能力提出了建議；第六章結(jié)論部分。明確了加強(qiáng)農(nóng)業(yè)保險償付能力監(jiān)管,是促進(jìn)我國農(nóng)業(yè)保險健康發(fā)展的基礎(chǔ),也是監(jiān)管部門和保險公司共同的任務(wù)和目標(biāo)。
[Abstract]:This paper takes the solvency and influencing factors of agricultural insurance in China as the research object. The solvency of insurance refers to the ability of an insurance company to perform its full liability (mainly insurance contract liability) under any circumstances. More adequate solvency shows that the insurance company has a good financial situation, has the ability to fulfill the promises and commitments of the insurance company. Because agricultural insurance mainly faces agriculture and farmers, it is widely accepted in our country, and the solvency has a great influence on the development of agricultural insurance and rural economy, so the research on the influencing factors of agricultural insurance solvency is particularly important in the whole insurance industry. This paper focuses on the factors that affect the solvency of agricultural insurance in China. Accurate analysis of the assets, liabilities and capital status of insurance companies is the prerequisite for judging the solvency of agricultural insurance, and properly weighing the relationship between risk, capital and profitability is the key to understand solvency and manage solvency. Only by correct judgment can we find the matching method of agricultural insurance solvency management and form an effective regulatory system. Through the study of the relevant data at home and abroad and the investigation of the present situation of the solvency of agricultural insurance in China, this paper puts forward some methods to improve the solvency of agricultural insurance in China, as well as some suggestions for solving the insufficient solvency of the insurance industry. The main contents are as follows: the first chapter is the introduction, which introduces the research results of agricultural insurance solvency at home and abroad, and points out the research background and significance of this paper according to the characteristics of agricultural insurance itself. The second chapter is the evaluation, analysis and prevention and control of insurance solvency. Based on the theory, this paper introduces the concept of solvency, the solvency of rural insurance and its supervision, etc. The third chapter expounds the present situation of solvency of agricultural insurance in China, and analyzes the situation and difficulties of solvency of agricultural insurance in China from the aspects of laws and regulations, nature of insurance company, demand, supply and so on. The fourth chapter focuses on the analysis of some factors that affect the solvency of agricultural insurance in China, and discusses the debt structure, increasing capital, optimizing the ownership structure of wholly state-owned insurance companies and so on. The fifth chapter puts forward some suggestions on how to improve the solvency of agricultural insurance in China from the aspects of agricultural insurance financial reporting system, evaluation of operational risk, early warning and monitoring mechanism, the necessity of dynamic solvency supervision and the improvement of insurance guarantee fund. It is clear that strengthening the supervision of solvency of agricultural insurance is the basis for promoting the healthy development of agricultural insurance in China, and it is also the common task and goal of regulatory departments and insurance companies.
【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.66

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