风险导向的保险保障基金费率模式研究  

A Research on the Risk-based Rating System for Insurance Guaranty Fund

作　　者：汪桂霞[1] 粟芳[2] Wang Guixia;Su Fang

机构地区：[1]上海财经大学金融学院 [2]上海财经大学金融学院保险系

出　　处：《保险研究》2019年第6期51-65,共15页Insurance Studies

摘　　要：保险保障基金的费率模式是构建保险保障基金制度的核心问题之一,模式的不同选择对保险公司的经营管理有着不同的导向作用。中国现有的单一费率模式未考虑风险,具有明显不足。在分析了其他各国和地区所采用的与风险相关联的保险保障基金费率模式后,本文提出应基于我国“偿二代”监管体系构建出动态转移式费率模式在设计出与风险分级挂钩的动态转移式费率模式的规则之后,基于实际数据并遵循政策的延续性原则测算了初始费率,设计了动态转移式费率模式的费率转移规则并进行了测算。研究表明,动态转移式费率模式基本保持了原有保险保障基金的规模,且能给保险公司注重偿付能力风险管理和注重保险产品保障能力提供有力的正向指引。The rating system is the key of the insurance Guaranty Fund System.Different rating system would guide differently for the operation and management of insurance companies.The single rating system in China doesn't take consideration of risks,which is obviously inadequate.In this article,we discussed some risk-based rating systems of other countries and districts firstly.Then,a dynamic transfer rating system was proposed in according with the C-Ross system in China.The rules of the risk rating-based transfer rating system was designed first,and then the initial rate was calculated on the basis of actual data and policy consistency.Finally,a detailed dynamic transfer rating system was designed and tested.The results show that,the dynamic transfer rating system almost keeps the same scale of the Insurance Guaranty Fund.Moreover,it can also guide all insurance companies to control solvency risk correctly and raise protection level of their protection-oriented insurance products.

关 键 词：保险保障基金 风险分级 动态转移式 费率模式 

分 类 号：F842.4[经济管理—保险]