国际保险业偿付能力监管制度比较及发展趋势研究  

International solvency regulation comparison and development trend

作　　者：邢彬[1,2] 黄俊星[1] 

机构地区：[1]南开大学风险管理与保险学系,天津300071 [2]中国保险监督管理委员会,北京100033

出　　处：《保险研究》2011年第7期69-74,共6页Insurance Studies

基　　金：教育部人文社会科学项目"风险基础保险监管的理论分析和模式构建研究"(项目编号:07JA790055)的研究成果

摘　　要：偿付能力监管是各国保险业监管的核心,此次金融危机揭示出原有的保险偿付能力监管制度存在巨大的缺陷。本文对美国、加拿大、百慕大、澳大利亚、英国、瑞士、欧盟等七个国家或地区的监管体制进行了比较研究,分析各国在风险的识别方式、风险评估模型及偿付能力监管报告和检查制度上的共性与特征,介绍可能的发展趋势,并为我国完善偿付能力监管制度提出了建议。Solvency regulation is the core of the international insurance supervision. The recent crisis had made us realize that the original system of insurance solvency regulation was greatly flawed. This paper studied 7 representative regulatory systems of the United States, Canada, Bermuda, Australia, Britain, Switzerland, the European Union （ Solvency Ⅱ ）, and analyzed their similarities and characteristics regarding risk identification methods, risk appraisal models, solvency regulation reports and solvency review systems. Then it introduced the potential trends of development on solvency regulation and offered some suggestions on improving the solvency regulatory system of China.

关 键 词：偿付能力 监管制度 风险识别 动态监管 

分 类 号：F840.32[经济管理—保险]