Research On The Solvency Of Non-Life Insurance Companies

The concept, the research target, the content and the influence factors of solvency are discussed. The importance and the present research situation of solvency regulation are introduced. And the current situation of the solvency of our country's insurance companies is introduced. The situation of insurance companies in our country have faced serious solvency crisis is pointed out. Three kinds of model the Ratio Model, Short-term Collective Risk Model, and Ruin Probability Model are adopted to calculate the minimum solvency margin of non-life insurance companies. Grey relation analysis method is utilized to carry on quantitative analysis on various kinds of internal and external factors that influence solvency of non-life insurance companies in our country. The influence degrees to solvency of various kinds of risks are received. Based on this, the eighting factors of the indexes of internal solvency influence factors are determined. How to utilize the weighted average index method to control the solvency of the non-life insurance companies is given. The measures of improving the solvency of the non-life insurance companres are discussed. The countermeasures with insufficient solvency of Chinese non-life insurance companties under the great background of the finance innovation are proposed.