The Study On Solvency Monitoring System Of Life Insurance Industry In China

Over the past decade, China's life insurance sector has made rapid development, in which the two most important indicators, insurance density and penetration, are in continuous growth. But compared to the life insurance industry in developed countries, there are still many problems. For example, the existence of the insurance market in the main is too small, immature, their system is also not perfect and so on. The most critical and most important issue is about solvency regulatory issues. The starting point of this paper is based on the life insurance industry, the real problems at home and abroad to discuss how to improve the solvency of the life insurance industry regulatory system.The most fundamental purpose is to design the ways and means to prevent the collapse of the life insurance industry and ensure the sustainable and healthy development of the life insurance industry.First, this paper introduced the solvency of the actual situation of regulatory review and the text of the background, research contents and significance.Secondly, from the relevant theory, solvency and regulation of the basic theory are introduced. Including the solvency of the contents of the life insurance industry, influencing factors, including the regulatory aspects of the concept, content, objectives and regulatory principles.Again, from the actual forms of regulation to explain the existence of our regulatory system .And introduced some problems in the regulation system, and analyzes its causes, including: accounting systems, financial systems, ignoring the matching of corporate assets supervision.Then, this paper sum both positive and negative successful experiences and failures in the developed countries regulatory system. First on the "EU model" and "North American-based" system of regulatory measures in a comprehensive analysis, and draw useful lessons for China. Furthermore, the analysis of the reasons for business failure in Japan, where corporate investment mistakes and improper protection of the government is the key reason.Finally, the perfection of the self-regulatory system of the specific methods are researched, including: improving their exit mechanism, enhancing the construction of supervision information systems, increasing the regulation of funds using of the life insurance industry.