Study On The Solvency Supervison Of China’s Property Insurance Companies

Since the reform and opening, along with the rapid advance of economicmarketization process, China’s property insurance market has experienced rapiddevelopment, has obtained great achievement, also there is a huge potential. At the sametime, by the main body keep increasing rapidly, market competition becomes more andmore intense, the property insurance is facing unprecedented risks, insufficient solvencysituation is very serious. Therefore, strengthening our country property insurancesolvency regulation research has important practical significance.The study uses both theoretical and empirical methods, qualitative and quantitative bindingprinciple study on how to improve the solvency of China’s property insurance industry regulatorymethods.This thesis is divided into four parts. The first part of the introduction describes thebackground, literature review and research ideas and content, as well as a briefinnovation and shortcomings of the papers. The second part describes about solvency andthe basic concepts of economic connotation, solvency margin and influencing factors,and outlines the risks faced by the level of solvency regulation, solvency regulatorysystem and property insurance company solvency. The third part introduces the two mosttypical property solvency regulatory system that the United Kingdom and the UnitedStates, introduced the regulatory approaches of the two countries and related indicators,combined with the development status of China’s property insurance industry, to exploresuitable regulatory for China to learn from international advanced experience. The fourthpart is the core and innovation of the thesis, how to perfect the internal controlmechanism of the property insurance companies, to improve the property insurancesolvency regulation indicators, the introduction of new methods and systems, and theestablishment of the insurance company credit rating system four levels, suggestions forimprovement of China’s property insurance solvency regulation, to make it moreoperational.