The Research On The Supervision Of The Solvency Of China's 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 development of the whole society also disorders market economic order, hinders the So the supervision of the solvency is the nucleus of the government insurance supervision.This text with the insurance takes charge of theories for foundation, combine western and flourishing national insurance company to liquidate an ability to take charge of method and means, under the our country particular financial environment, investigate improvement our country the insurance industry liquidate the path that the ability takes charge of system, and put forward improving of conceive.This dissertation develops this subject in the following four parts: Chapter one first the basic concepts of solvency and solvency regulation are introduced, Carried on to the necessity which liquidates an ability to take charge of in the meantime systematically analytical.Chapter two and what are those factors that lead to worldwide solvency crisis are analyzed. At the same time, Introduced an our country an insurance industry to liquidate ability present condition and its problem to become on this foundation because of, the further argument liquidates an ability to take charge of importance.Chapter three gives a detailed introduction of the existing models of solvency regulation, and analyzed them reimburses ability supervising and managing to our country insurance company the enlightenment. Chapter four places special emphasis on the shortages of China's solvency regulation by analyzing the development and current situation of it and comparing it to the developed solvency regulation experiences of typical developed countries. Consequently, the author suggests some policies and advices on how to perfect the solvency regulation of China's insurance companies: The insurance takes charge of the way that the section should take charge of static state to combine together by dynamic state to liquidate insurance company an ability to carry on taking charge of; Establishment our country the insurance company liquidate an ability to take charge of early-warning mechanism; Strengthen the property liabilities toward the insurance company a management; Build up an insurance industry as soon as possible to audit teacher and actuary's system independently; Strengthening the insurance industry information system constructs etc..The importance and significance of this paper is to arouse the attention on the importance of solvency regulation from the insurance regulation department and insurance companies, thereby, the solvency regulation would be strengthened; and to suggest some policies and advices on how to perfect the solvency regulation of China's insurance companies to promote the stable development of China's insurance industry.