【作者】 秦香军；

【导师】 赵昌文；

【作者基本信息】 四川大学 ， 金融学， 2003， 硕士

【摘要】 本文以理论研究为主，采用比较研究的方法，对保险公司偿付能力监管进行了较为系统和全面的研究。 首先，本文从保险业在国民经济中所处的特殊地位入手，指出保险业作为金融业的一个分支对保障人们的生命财产安全和经济的稳定和发展具有不可替代的作用。而保险业的稳定发展离不开对保险市场主体——保险公司的监管。偿付能力监管作为保险监管的核心内容便有其重要性和必要性。从而引出本文研究的重要意义。 在第二部分，本文对保险公司偿付能力的含义作了较为详细的界定；分析了引起世界范围内保险公司偿付能力危机的原因及对保险公司偿付能力监管的必要性和重要性；对偿付能力监管的目标进行了具体的分析；简单地回顾了偿付能力监管的历史。 第三部分对世界范围内偿付能力监管的模式进行了系统的概括和分类。指出各国应根据本国的具体实际选择适合自己的保险公司偿付能力监管模式。 第四部分重点研究了目前偿付能力监管的手段和方法。从保险公司偿付能力监管预警机制、监管的具体方法(静态监管和动态监管)和保险保障基金三个方面系统地研究了保险公司偿付能力监管的完整体系，即一个完整的偿付能力监管体系应该包括事前、事中和事后三个方面的内容。其中预警机制是对保险公司偿付能力的事前预测，重在为监管部门提供关于保险公司偿付能力状况的信息；静态监管和动态监管是对保险公司成立和经营过程中偿付能力的具体监管方法；而保险保障基金是对出现偿付能力不足问题的保险公司的最后补救。 第五部分结合我国保险公司偿付能力监管的发展和现状，并对比国外偿付 四少11大学硕士学位论文能力监管的先进经验，指出我国偿付能力监管的不足和缺陷，从而提出健全和完善我国保险公司偿付能力监管的意见和建议。 本文的意义在于通过对保险公司偿付能力监管的系统和全面的研究，以引起人们对保险公司偿付能力监管的重要性的关注，从而加强对保险公司偿付能力的监管，并为此提供一些参考意见和建议，以期促进我国保险业的稳定发展并最终保护被保险人的合法权益和促进国民经济的稳定和发展。更多还原

【Abstract】 Mainly using theoretical approaches, this paper studies the solvency regulation of insurance companies systematically and comprehensively by comparing so many kinds of advanced methods of solvency regulation.Firstly, this paper examines the strategic position of insurance industry in national economy of a country. The author points out that, as an important branch of finance, insurance plays an unsubstituted role in protecting people’s life and property. Especially life insurance industry has a strong externality to economic stability anddevelopment. While, without the regulation on the insurance market--insurancecompanies, there is no stable and persistent development of insurance industry. So, as the core of insurance regulation, solvency regulation is important and necessary. That’s the importance and significance of this paper.In the second part, the basic concepts of solvency are introduced and what are those factors that lead to worldwide solvency crisis are analyzed. At the same time, the paper illustrates the objects of solvency regulation detailedly, and gives a simple retrospection of the history of solvency regulation.The third part gives a detailed introduction of the existing models of solvency regulation, and points out that every country should choose the proper model according to the situation of itself.The fourth part studies the ways and methods of solvency regulation systematically and comprehensively, including regulation monitoring, static regulation and dynamic regulation, insurance guaranty fund. Among which regulation monitoring would give some prospective information about the solvency of an insurance company; static and dynamic regulation are the main methods ofsolvency regulation, and the guaranty fund is the final safeguard to the insureds of those insurance companies which have no solvency.The fifth part places special emphasis on the shortages of China’s solvency regulation by analyzing the development and current situation of it and comparing it to the developed solvency regulation experiences of typical developed countries. Consequently, the author suggests some policies and advices on how to perfect the solvency regulation of China’s insurance companies.The importance and significance of this paper is to arouse the attention on the importance of solvency regulation from the insurance regulation department and insurance companies, thereby, the solvency regulation would be strengthened; and to suggest some policies and advices on how to perfect the solvency regulation of China’s insurance companies to promote the stable development of China’s insurance industry.更多还原