【摘要】 偿付能力监管作为保险业监管的三大支柱之一,越来越受到监管部门的重视。中国保险业的监管系统结合了欧盟和美国的监管方法,制定了我国保险公司的偿付能力监管措施。但是由于我国保险业不断发展壮大,旧有偿付能力监管体系相关参数的调整具有时滞,不能准确及时反映我国保险公司偿付能力情况。通过回顾非寿险公司最低偿付能力资本设置原理,基于我国18家营业时间长于5年的财产保险公司的经营数据,本文重新估计了非寿险偿付能力监管体系中的相关参数,并进行了一定调整,使之更适应当前市场环境。更多还原

【Abstract】 Solvency supervision as one of the three pillars of insurance regulation has had more and more attention of the regulatory authorities.China’s insurance regulatory system is a combination of EU and U.S.regulatory approaches,and has developed a number of measures to ensure the solvency of insurance companies.However,due to China’s insurance industry’s rapid expansion,the old solvency system parameters cannot accurately reflect the solvency standing of the insurance company in a timely manner.With a review of the principle for setting minimum solvency capital of non-life insurance companies,and based on the experience data of 18 domestic P & C insurance companies with operating history longer than 5 years,this paper re-estimated the parameters in the non-life insurance solvency regulation system,and suggested some readjustment in order to make it more adapted to the current market environment.更多还原