日本保险业偿付能力标准及其对我国的借鉴意义  

The Solvency Standard of Japanese Insurance Industry and a Reference to China

作　　者：李晓翾 

机构地区：[1]中国财产再保险股份有限公司,北京100033

出　　处：《保险职业学院学报》2013年第4期70-73,共4页Journal of Insurance Professional College

摘　　要：欧盟偿付能力Ⅱ实施后,欧盟以外的第三方国家要想在欧盟经济区开展保险业务就必须先得到欧盟的"偿付能力Ⅱ等价认可",以确保第三方国家的监管体系能够提供与偿付能力Ⅱ相同的保障程度。目前,我们的邻国日本已经通过了欧洲保险与职业养老金局对其的等价性评估。日本保险业偿付能力标准之所以能够得到欧盟的等价认可,是因为其标准是基于风险基础的,并配有相应的监管措施。日本保险业偿付能力发展之路,有很多值得我国保险业研究和借鉴之处。If EU Solvency II should be implemented, the insurers from the countries outside the EU should pass the Solvency II Equivalence Assessment before they could do insurance business in the European E conomic Area（EEA）. The European Insurance and Occupational Pensions Authority（EIOPA） issued its advice on the equivalence assessment of Japanese insurance supervisory system in October 2011, because Japanese sol vency standard is risk -based and has the corresponding early warning measures and remedial actions. So the development of Japanese solvency standard is much worth ]earning for us.

关 键 词：偿付能力II等价认可 偿付能力标准 偿付能力额度 风险额度 

分 类 号：F84[经济管理—保险]