【作者】 刘树枫；

【导师】 韩洪云；

【作者基本信息】 西安建筑科技大学 ， 企业管理， 2004， 硕士

【摘要】 本文以中国寿险业的经营风险为考察对象，从一个新的角度研究中国可能存在的金融风险问题。 在对现有文献和研究成果总结回顾的基础上，本文首先分析了中国寿险业面临的主要风险，寿险的经营风险分为三大类：第一类是环境性风险，包括经济周期风险、市场竞争风险、政策风险、巨灾风险；第二类是经营性风险，包括决策风险、险种定位风险、定价风险、业务管理风险、准备金风险、投资风险、分保风险、退保风险、应收保费风险、财务管理风险、破产风险；第三类是人为性风险，包括道德风险、心理风险、逆选择风险、从业人员素质风险。进而从中国保险制度与寿险经营风险；保险资金运用与寿险经营风险；市场利率变动与寿险经营风险等三个方面具体分析了产生上述风险的原因。从而为制定化解和防范风险的措施和政策提供依据。 目前世界上对保险经营风险的监管主要有两大体系：欧盟体系和美国体系，它们都是以偿付能力监管为主，但各有侧重。偿付能力监管是保险监管的核心，欧盟与美国的偿付能力监管体系基本反映了当前世界各国最主要的偿付能力监管思想，对我国建立新的偿付能力监管体系有借鉴意义。本文通过对上述两种保险监管的偿付能力评价体系的评价，并结合我国保险监管的实际，制定出符合国情又有利用前景的以偿付能力为主的我国保险监管预警指标体系。该指标体系由资产质量指标、盈利能力指标、经营稳健性指标和业务类指标构成。采用因子分析法，对我国寿险公司的偿付能力状况进行了实证分析。 针对上述研究的内容和结论，本文提出了防范和化解寿险经营风险的对策，从而为决策部门制定化解和防范风险的措施和政策提供参考。更多还原

【Abstract】 The problem of insolvency in the insurance industry is well recognized. This study investigates operational risks of China’ s life insurance industry and aims to study the possible financial crisis in China from a new perspective.On the basis of literature review, we first identify the main risks in the China’ s life insurance industry. The mange risks of life insurance are divided three types: the first type is the risk of environment including the risk of period of operating cycle, the risk of market competition , the policy risk and catastrophic risk; the second type is operational risk, including decision risk, location risk of branch of insurance and so on. The third type is man-made risk, including the morals risk , psychological risk and so on. Further, this study analysis the causer for the risks of life insurance operation from three aspects: the institute of insurance, the capital application and change of the interest rate.Now, there are two insurance regulation systems: European Community system and American system. Their insurance solvency is discussed as the basis of insurance management, but thy have each important inspect. The solvency regulation is the nucleus of insurance regulation. The European Community insurance regulation system and the American insurance regulation reflect the main idea of insurance regulation of each country in the world.We can found new solvency regulation system in our country from using their experience. This paper formulates our country’ s forewarn insurance regulation index system from evaluating the two insurance regulation system and jointing the practice of insurance regulation in our country This index system made of property quality index, profit index, management steadily index and vocational work index. This paper illustrate the change of solvency of life insurance operation with the date of China’ s main life insurance company and adopts factor analysis.On the basis of the above contents and conclusions, this study points out some macro policy selections, thus, providing reference idea for policy departments更多还原