基于动态视角的我国保险业偿付能力监管研究

发布时间：2018-02-16 02:55

本文关键词： 动态偿付能力测试保险业偿付能力监管　出处：《苏州大学》2014年硕士论文　论文类型：学位论文

【摘要】：保险业生而就是一个比较特殊的行业，其以风险作为经营对象，它的发展不仅关乎其自身，更关系到社会稳定和经济发展，它在国民经济中扮演着重要的角色。我国保险业发展三十余年，取得不错的成绩，但保险公司偿付能力不足的问题不容忽视。目前我国采用的是静态偿付能力指标监管模式，在如今金融风险频发的时代，这种模式已渐渐显得力不从心。因此为加强偿付能力管理和风险防范，动态偿付能力监管被引入到我国监管体系之中。本文正是基于此对动态偿付能力监管模式展开研究。本文主要从动态视角出发对怎样完善我国保险业偿付能力监管展开研究和分析。文章运用对比分析法和实证分析法，首先对我国保险业偿付能力定义、监管历程、现状及局限性等进行理论梳理；其次对动态偿付能力测试方法的相关理论进行阐述；再次结合我国保险业实际情况，对动态偿付能力测试方法应用的区间选择、基本假设、不利情景等进行具体的分析，并对财险和寿险分别进行实证分析，以找出在测试时需要重点关注的风险因素和可以剔除的选项；最后文章根据前文的研究和分析提出一些建议。本文经过分析研究认为，当前我国很有必要引入动态偿付能力监管模式，而动态偿付能力测试方法则是其中最适合我国国情的模式，它的加入将对我国静态监管体系起到补充、促进的作用。因此为更好的运用动态偿付能力测试方法，完善监管体系，本文建议加快建设三大配套制度体系，同时在具体测试时应该加大测试区间。另外由于财险和寿险业务性质不同，，应该区别对待，设置不同的标准并鼓励公司考虑更多更适合的风险因素，以让测试更加准确、监管更加有效。
[Abstract]:The insurance industry is a relatively special industry. It takes risk as its business object. Its development is not only related to itself, but also to social stability and economic development. It plays an important role in the national economy. China's insurance industry has achieved good results for more than 30 years, but the problem of insufficient solvency of insurance companies should not be ignored. In the era of frequent financial risks, this model has gradually become inadequate. Therefore, in order to strengthen solvency management and risk prevention, Dynamic solvency regulation has been introduced into China's regulatory system. This article mainly from the dynamic angle of view to how to perfect our country insurance solvency supervision to carry on the research and the analysis. The article uses the contrast analysis method and the positive analysis method, first of all, to our country insurance industry solvency definition, the supervision course, The current situation and limitations of the theoretical carding; secondly, the dynamic solvency test method related to the theory; again, combined with the actual situation of the insurance industry, the dynamic solvency test method of interval selection, basic assumptions, In order to find out the risk factors that need to be paid attention to and the options that can be eliminated, the paper puts forward some suggestions according to the previous research and analysis. Through the analysis and study, this paper thinks that it is necessary to introduce the dynamic solvency supervision mode in China, and the dynamic solvency test method is the most suitable model for the situation of our country. Its entry will complement and promote the static supervision system of our country. Therefore, in order to better use the dynamic solvency test method and perfect the supervision system, this paper suggests to speed up the construction of three supporting systems. In addition, because of the different nature of property and life insurance business, we should treat them differently, set different standards and encourage companies to consider more suitable risk factors to make the tests more accurate. Regulation is more effective.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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