On The Management Of Life Insurance Solvency

Solvency is the core of life insurance management. This thesis mainly contains:Chapter 1 explains why I choose this theme. The operation environment of Chinese life insurance companies chop and change recently, which results in the insolvency risk of whole life insurance industry. A lot of life insurance companies bankrupted in America and Japan last century, which brought life insurance industry in the world to a panic for a time, then people began to attach importance to the solvency of life insurance companies. And the emphases of insurance regulation turned to solvency management. Thereupon, life insurance solvency management became the focus of insurance academe and practice all over the world. Carefully researching life insurance solvency management accords with the development of Chinese life insurance industry, and can promote life insurance's development.Chapter 2 analyzes many factors and risks which impact life insurance companies' solvency, basing on the definition of solvency. When life insurance companies' solvency is measured, all these factors and risks should be taken into account and quantified. We must evaluate life insurance companies' solvency margin basing on some operation hypotheses and accounting guidelines.Chapter 3 begins with the goal of life insurance solvency regulation-protecting the insured's interest. Regulator can strengthen life insurance solvency macro management through ratio forecast, capital require and guarantee fund. And also, this part provides some measures and suggestions to improve Chinese solvency ratio forecast system and solvency margin regulation system and to establish our guarantee fund system and other assistant system by analyzing and comparing all kinds of techniques and methods for solvency regulation.Chapter 4 brings forward that life insurance companies should enhance its solvency micro management through capital management, investment management and reinsurance planning. And it also offers some concrete programs and methods.The last part draws the conclusion.