非寿险最低偿付能力资本研究  

Study on Minimum Capital Requirement for General Insurance

作　　者：李冰清[1] 张艳[1] 王晶晶[2] 

机构地区：[1]南开大学风险管理与保险学系,天津300071 [2]泰康人寿保险股份有限公司,北京100031

出　　处：《保险研究》2013年第3期47-54,共8页Insurance Studies

基　　金：中央高校基本科研业务费专项资金资助(NKZXB10044)

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。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.

关 键 词：最低偿付能力资本 非寿险 保险监管 

分 类 号：F840.65[经济管理—保险]