第二代保险偿付能力监管体系建设初探

2008年金融危机的爆发全面呈现了现行保险偿付能力监管制度体系的不足。我国第一代保险偿付能力监管体系的不足为：对保险公司治理和内部风险控制等偿付能力的影响没有加以考察;对保险公司不同险种偿付能力的要求采取不科学的统一模式;没有对保险公司面临的风险全面评估;没有对分支机构的有力监管;规定不协调、空白和不符合国情的问题。应在合理设计第二代偿付能力监管体系风险识别类型的基础上,实现偿付能力监管体系结果与过程的统一;加强对综合金融保险集团的资本充足率监管;改革现行监管体系不合国情、不协调的问题并弥补监管空白。

A Preliminary Study in Building 2nd Generation Solvency Regulatory System in China

Our 1st Generation Solvency Regulatory System shows defects：The impact of insurance corporate governance and internal risk control for solvency is not examined.The request for solvency of different types of insurance is an unscientific unified model.There is not a comprehensive assessment to the risk of the Insurance companies.There is no strong supervision to branches.There are provisions uncoordinated,gapping and other issues that do not meet the conditions of China.Therefore China should perfect the system on the basis of a rational design of risk identification type in the 2nd Generation Solvency Regulatory System：achieving the harmonization of results and processes in solvency regulatory system,strengthening regulation of integrated financial insurance group＇s capital adequacy ratio,reforming the current regulatory system which does not fit national circumstances,nor coordinate each other and fill the regulatory gaps.