The Research Of Legal Supervision Insurance Company's Solvency In Our Country

The insurance supervision has experienced from emphasizing market activities supervision to solvency and market activities supervision, and now to "three-pillar" supervision system, namely the supervision of solvency margin, corporate governance and market activities. Solvency supervision was made up of static supervision, dynamic supervision, insurance funds supervision, the insurance guarantee fund supervision and so on. From improving insurance supervision point of view, this article used history analyses, economic analyses, and comparative analyses to make research on the current supervision system, based on studying western countries advanced insurance supervision and system design concept, mirroring the theory of supervision and the successful practicing experience, hoping to improve our insurance regulatory system.Except forward and conclusion, full text is divided into five parts:First part:insurance supervision summaryOn the basis of the defined concept and contents of solvency supervising, this part emphasizes influencing factor and legal meaning of insurance solvency supervising. Solvency supervising is to make compensations and payments, also is the compare of insurance company capital strength and liability for risk compensation itself. Insurance supervision system consists of three aspects of content:first, the reckoning of insurance supervision; second, the check method of solvency authenticity; third, disposal route of lack solvency.Chapter two:The status quo of solvency supervision.This part discussed the present solvency supervision system detailed, including static solvency supervision, dynamic solvency supervision, insurance funds utilization supervision and insurance guarantee fund supervision and introduced the status quo of solvency supervision through analyzing solvency supervision system, laws on the insurance company's investment supervision system, various reserve regulation, insurance guarantee fund supervision. Third part:existing problems of solvency supervising in our countrySolvency supervising has become the centre of various countries, solvency supervising has not rise to due level in our country. The solvency supervising has problems in subject and method, at same time, China's solvency regulation system still exists problems. The revelation of individual risk lacks. Solvency assessment isn't dynamic and forward-looking enough. And associated auxiliary systems are backward.Forth part:an introduction of solvency supervision system of other country.This part mainly learned and compared the developed countries solvency supervision system, dividing the insurance supervision system of Western developed countries into four systems:American system, the EU system, Australia system, introducing America's risk warning mechanism of advance warning afterwards controls and the EU's insurance rate by market regulation and relaxed investment policy, basing on which, made a proposal on improving China's insurance companies solvency supervision.Fifth part:a few pieces of advise to China's insurance companies solvency supervision On the basic of drawing the lessons of insurance developed country and analysis of China's solvency regulation system. This part made a detailed proposal on improving solvency supervision. In the future, the focus of reforming and improving china's insurance supervision system is to establish a venture capital assessment method, improve the internal management of the insurance company, prevent and resolve the confluent system risk in the use of insurance funds.