欧美保险业偿付能力监管的比较研究

欧盟和美国对保险企业偿付能力的监管体系是目前世界上对保险业偿付能力进行监管的两大主要体系 ,对欧美边际偿付能力监管进行分析 ,可以大致了解世界各国保险业边际偿付能力监管的主要方法。通过对两种体系进行对比分析 ,在我国制定偿付能力监管方案时 ,应认清影响我国保险业偿付能力的风险因素 ,正确设定各类风险资本的计算基础 ,充分考虑分保、投资风险、保险公司的规模等因素 ,利用新技术 ,加强对关联业务的监管。

A Comparative Study of the EU and USA Supervision on the Solvency of Insurance Companies

Both EU's supervision system of the solvency of insurance companies and that of the United States are the worlds' two major systems of its kind. An analysis of the two systems gives us a general idea of the main types of solvency supervision methods used in the world. A comparative analysis will also help us to get a clear understanding of the risk factors that may affect the solvency of insurance industry in China while working out the country's own supervisory plan. In this way we may be able to set a proper computational basis for various sorts of risk based capital, give full account to such factors as reinsurance, investment risk, the size of insurance companies and so on. Through utilizing new technology, strengthening the supervision of relevant business.