| With the heavier impetuosity of finance competition and the quickness of china's open course, capital becomes more and more important for Chinese insurance corporations' survival and competition. Based on the capital of Chinese insurance industry, this essay focuses its content on the capital complementarities of insurance industry. It mainly introduces four aspects: the meaning of capital and the basic theory of its forming; the status of quantity about insurance industry in china; the present status of capital adequacy in china; and countermeasure to capital complementarities.First, the essay expatiates on concept concerned and some economics theory about capital's forming. This is including the basic concept of insurance capital and so forth, and the theory of capital accumulation in addition.Based on this, from the angle of corporation's operations, government's supervise, compared with scale of foreign insurance agency, and the development demand in future, it is proved that there is a big capital gap in Chinese insurance industry, where the capital structure of insurance agency in china is the basis for research.Then, the essay analysis the status of insurance capital adequacy, especially the mechanism of capital complementarities and the present scale. Discussing some questions and restricted factors in which.Finally, the essay gives some countermeasure to solve these problems and offers some ideas for the capital complementarities in china, which including more and more innovation approach: such as national insurance company strypped-down, coming into the market to financing and abroad financing, as well as attract foreign capital. Also more kinds form of corporation, setting up mutually insurance agent, allowing natural person to invest insurance industry. Then analyzing the possibility and actualize means of these new innovation. In the last of this essay, it gives a brief mention on relationship of reinsurance and capital complementarities. |
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