本文選題：償付能力監(jiān)管 + 三支柱��； 參考：《東北財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：保險(xiǎn)公司是經(jīng)營(yíng)風(fēng)險(xiǎn)的市場(chǎng)主體,發(fā)揮著“社會(huì)潤(rùn)滑劑”的作用,保險(xiǎn)公司的健康運(yùn)行,對(duì)于社會(huì)經(jīng)濟(jì)的穩(wěn)定發(fā)展具有重要意義。保險(xiǎn)公司的經(jīng)營(yíng)也面臨著許多風(fēng)險(xiǎn),建立一套高效的監(jiān)管體系是保險(xiǎn)公司生存的重要屏障。保險(xiǎn)公司償付能力是指保險(xiǎn)公司償還債務(wù)的能力,特別是未來(lái)給付保險(xiǎn)金或賠款的能力,保險(xiǎn)公司擁有充足的償付能力是被保險(xiǎn)人獲得保險(xiǎn)保障的前提。因此,保險(xiǎn)償付能力監(jiān)管一直是世界各國(guó)進(jìn)行保險(xiǎn)監(jiān)管的重點(diǎn)。在保險(xiǎn)監(jiān)管過(guò)程中逐漸產(chǎn)生了許多保險(xiǎn)監(jiān)管理論,如歐盟償付能力監(jiān)管理論和美國(guó)風(fēng)險(xiǎn)資本要求理論等,這些理論往往具有不同的特點(diǎn),適用于不同的國(guó)情,并且處在不斷變革過(guò)程中。 隨著世界經(jīng)濟(jì)的發(fā)展,保險(xiǎn)公司面臨的風(fēng)險(xiǎn)狀況也發(fā)生著變化。尤其在2008年經(jīng)濟(jì)危機(jī)后,世界資本市場(chǎng)持續(xù)萎靡,投資風(fēng)險(xiǎn)凸顯,在新形勢(shì)下,我國(guó)原有監(jiān)管模式越來(lái)越不適應(yīng)新的發(fā)展情況,建立我國(guó)第二代償付能力監(jiān)管體系成了保監(jiān)部門(mén)的重要工作。在2012年年初,保監(jiān)會(huì)發(fā)布了《中國(guó)第二代償付能力監(jiān)管制度體系建設(shè)規(guī)劃》,為我國(guó)新一代償付能力監(jiān)管的建設(shè)繪制了藍(lán)圖。 在這樣的背景下,本文對(duì)保險(xiǎn)償付能力監(jiān)管體系進(jìn)行了研究,以期對(duì)我國(guó)償二代的建設(shè)提供一下建議。本文分為兩部分,償付能力監(jiān)管體系的國(guó)際比較與對(duì)中國(guó)償二代的建議。主體從三個(gè)方面進(jìn)行了闡述。首先是問(wèn)題的提出,分別從定性和定量?jī)蓚�(gè)方面指出我國(guó)現(xiàn)行償付能力監(jiān)管的現(xiàn)狀和存在的不足。定性研究以世界上比較認(rèn)可的Cummins標(biāo)準(zhǔn)為基礎(chǔ),指出我國(guó)現(xiàn)行償付能力監(jiān)管體系在激勵(lì)性、風(fēng)險(xiǎn)導(dǎo)向和集團(tuán)監(jiān)管上的不足；定量研究以比率模型為基礎(chǔ),以我國(guó)非壽險(xiǎn)保險(xiǎn)公司償付能力監(jiān)管為代表進(jìn)行了研究。其次是對(duì)國(guó)際先進(jìn)經(jīng)驗(yàn)的借鑒,本文詳細(xì)介紹分析了歐盟償一代、償二代,美國(guó)RBC體系,IAIS的保險(xiǎn)核心原則等,尤其以歐盟償二代為重點(diǎn),詳盡介紹了其產(chǎn)生和發(fā)展歷程,以及主要內(nèi)容。最后是建議的提出,經(jīng)過(guò)分析指出我國(guó)應(yīng)該采用類似歐盟償二代的以風(fēng)險(xiǎn)為導(dǎo)向的立體監(jiān)管模式,并對(duì)“三支柱”依次提出相應(yīng)的建議。 本文的貢獻(xiàn)與不足：本文最大的貢獻(xiàn)在于將一整套評(píng)價(jià)標(biāo)準(zhǔn)用于我國(guó)償付能力監(jiān)管的評(píng)價(jià),得到其與國(guó)際先進(jìn)監(jiān)管體系的差距,從而明確了我國(guó)償二代應(yīng)該努力的方向。本文的創(chuàng)新之處在于引入Cummins標(biāo)準(zhǔn)進(jìn)行檢驗(yàn),堅(jiān)持以中國(guó)保險(xiǎn)業(yè)實(shí)際情況為依據(jù),批判性吸收國(guó)際先進(jìn)的監(jiān)管經(jīng)驗(yàn)。本文的不足之處在于分析得到的結(jié)論和提出的建議偏向于理論性,指出了整體方向卻沒(méi)有具體的操作規(guī)則,這也是以后研究的重要方向。
[Abstract]:Insurance company is the market main body of management risk and plays the role of "social lubricant". The healthy operation of insurance company is of great significance to the stable development of social economy. Insurance companies also face a lot of risks to establish an efficient regulatory system is an important barrier for the survival of insurance companies. The solvency of the insurance company refers to the ability of the insurance company to repay its debts, especially the ability to pay the insurance gold or indemnity in the future. The insurance company has sufficient solvency as the prerequisite for the insured to obtain the insurance protection. Therefore, the insurance solvency regulation has been the focus of insurance regulation around the world. In the process of insurance supervision, many theories of insurance regulation have emerged gradually, such as the theory of solvency regulation in the European Union and the theory of venture capital requirement in the United States. These theories often have different characteristics and are applicable to different national conditions. And in the process of constant change. With the development of the world economy, the risk situation faced by insurance companies is also changing. Especially after the economic crisis of 2008, the world capital market continued to languish, and the investment risk was highlighted. Under the new situation, the existing regulatory model of our country is becoming more and more unfit for the new development situation. The establishment of the second-generation solvency supervision system has become an important work of the insurance department. At the beginning of 2012, the CIRC issued the "Construction Plan of the second Generation solvency Supervision system in China", which drew a blueprint for the construction of the new generation of solvency supervision in China. In this context, this paper studies the regulatory system of insurance solvency in order to provide some suggestions for the construction of the second generation in China. This paper is divided into two parts: international comparison of solvency regulatory system and suggestions to China's second generation. The main body has carried on the elaboration from three aspects. First of all, it points out the current situation and shortcomings of solvency supervision in China from two aspects: qualitative and quantitative. The qualitative research is based on the accepted Cummins standard in the world, and points out the insufficiency of the current solvency supervision system in China in terms of incentive, risk orientation and group supervision, while the quantitative research is based on the ratio model. This paper studies the solvency regulation of non-life insurance companies in China. Secondly, it is the reference to the international advanced experience. This paper introduces and analyzes in detail the core principles of the European Union's indemnification generation, the second generation, the American RBC system and so on, especially with the emphasis on the second generation of the European Union, and introduces its emergence and development course in detail. And the main content. Finally, the paper points out that China should adopt a risk-oriented, three-dimensional regulatory model similar to the second generation of European Union, and put forward corresponding suggestions to the "three pillars" in turn. The contribution and deficiency of this paper: the greatest contribution of this paper is to apply a set of evaluation criteria to the evaluation of solvency supervision in China, and to obtain the gap between the evaluation standard and the international advanced regulatory system, thus defining the direction of our country's efforts to compensate the second generation. The innovation of this paper lies in the introduction of Cummins standards for testing, insisting on absorbing international advanced regulatory experience critically based on the actual situation of China's insurance industry. The deficiency of this paper is that the conclusions and suggestions are inclined to be theoretical, pointing out that the whole direction has no specific operation rules, which is also an important direction of future research.
【學(xué)位授予單位】：東北財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.3;F841.3

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