The Research On The Supervision Of The Solvency Of The Insurance Company

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 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 ; 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.