Research On Solvency Regulation Of China's Life-Insurance Company

Life insurance of our country had maintained more than ten years fast development, the two targets of insurance depth and insurance density were growing too, but compared with the insurance business developed countries, our country's life insurance industry still belonged to the initial stage, the insurance system was imperfect, the main bodies of the insurance market were too few, and the insurance market was not mature. But the fast development and the relatively immature of the insurance market increase the pressure to solvency of our country's insurance companies, and brought greater challenges to the imperfect regulatory system of our country.Solvency regulatory is the core content of insurance regulatory, all the countries'methods of regulatory were close up to solvency regulatory. Because of the capital insufficient and the favorable difference damages and so on, our country's life insurance companies exist generally solvency crisis, to make our country's life insurance industry to have a stable and health development, CIRC has transfer it's manage idea from implementing strict market behavior regulatory to the anther regulatory in which solvency ability regulatory is the core content, moreover strengthening and improving solvency regulatory has become one of the CIRC's important task.In view of these facts, this paper analyzes the details of the insurance industry in our country and reviews some existing literature and research results, combined with the study of influence factors of solvency, based on the analysis of our country's solvency regulatory mechanism, gave a series of measures and suggestions for the problems such as the inadequate execution of our country's insurance companies solvency, information disclosure mechanism and market restraint mechanism is not perfect, assessment methods and monitoring the effectiveness of less than perfect. The paper's emphasis are referencing SolvencyⅡand DFA that were advanced in the world, and giving the policy and research to strengthen insurance solvency regulation of our country.