【作者】 杨琼；

【导师】 邓成明；

【作者基本信息】 湖南大学 ， 经济法， 2004， 硕士

【摘要】 偿付能力是保险公司偿还其到期债务的能力。保险公司偿付能力不足，不仅损害被保险人利益、导致保险公司破产，而且扰乱市场经济秩序，影响整个社会的发展进步。因此，保险公司偿付能力监管是政府保险监管的核心内容。 影响保险公司偿付能力的因素包括保险风险、保险费率、资本金、保证金、责任准备金、公积金、保险保障基金、最低偿付能力额度、保险资金运用、再保险等等。本研究以我国现行《保险法》、《保险公司管理规定》、《保险管理暂行规定》以及中国保险监督管理委员会制定的一系列规定和规则等为基础，对影响保险公司偿付能力的诸因素做了分析与预测，借鉴了国外保险公司偿付能力监管中的先进经验，对如何用法律手段完善保险公司偿付能力监管提出了自己粗浅的看法。本研究的创造性成果是：①从法学角度研究保险公司的偿付能力监管，这是本研究在方法论上的尝试；②指出我国在一定条件下可以借鉴美国IRIS来建立保险风险预警机制；③主张通过制定法规赋予保险行业协会费率厘定权；④对《保险公司偿付能力额度及监管指标管理规定》提出了修改意见；⑤主张设立保险投资管理公司，将保险资金运用业务与保险业务分离开来。 在经济全球化和改革开放的背景下，对保险公司的偿付能力进行监管日显重要。笔者通过本研究，从法律角度为保险公司偿付能力监管提出了一些可行措施，为完善偿付能力监管体制提出了建议，以期待为我国保险业的安全、稳健运行尽一份绵薄之力。更多还原

【Abstract】 The solvency is the capacity that an insurance company can pay off his expiry debts. The scarce of solvency not only damages insured’s interest and makes insurance company bankrupt, but also disorders market economic order, hinders the development of the whole society. So the supervision of the solvency is the nucleus of the government insurance supervision.The factors that affect the solvency are insurance risks, the insurance premium rate, the capital, the earnest money, the capital reserve of responsibility, the common reserve funds, the insurance policy coverage fund, the minimum margin of solvency, the insure for fund application and reinsurance and so on .This research analyses and forecasts every factors which affect the solvency of the insurance company, and put forward my simple ideas about how to use legislation methods to perfect the solvency of the insurance company on the basis of <Insurance law> <Rule of the management of insurance company> <Temporary rule of the insurance management>nd the formulations and rules which are formulated by China’s Committee of Insurance Supervision and absorbs advanced experience of the supervision of the solvency of the foreign insurance company .The creative achievement of the research are of the follows: firstly, the research discusses the capacity of payment in terms of law, which is a try on methodology of research; secondly, it’s suggested that our country could use US ’ IRIS to build up insurance risk early warning system on certain condition; thirdly, it’s suggested that giving the right of determining premium rate to the insurance industry organization by regulation; fourthly, it’s suggested that revising the <the rule of the margin of solvency and the supervision index of the insurance company>; lastly, in order to separate the utilizing of insurance treasury from insuring business, we can build up an insurance investing management company.On the condition of the economic globlization and reformation, it becomes increasingly important to regulate the solvency of insurance company.I put forward some feasible measures about the supervision of the solvency of insurance company from the standpoint of law and some suggestions concerning the the system of the solvency hoping to contribute to our country’s safe and steady insurance operation.更多还原