A Study On The Solvency Risk Of The C-ROSS Of Property Insurance Companies

Insurance,as one of the three major financial institutions in China,with risk management,stable economic function,plays a pivotal role in the national economy,solvency monitoring is to prevent insurance companies suffered adverse impact and insolvency,is also the focus of supervision.The implementation of the " C-ROSS " is of great significance for deepening the reform of the insurance market,improving the risk prevention ability of the industry,and improving the international management of China's insurance supervision." C-ROSS " to the risk oriented supervision system as the core principle,comprehensive coverage of all kinds of risks in insurance companies,risk factors can reflect the changes brought about by the market behavior of insurance company,business and investment strategies have a significant impact on the company's adjustment,and quickly and directly into the solvency index change,improve the solvency regulation sensitivity to risk,rational operation will help guide the company and industry.This paper adopts case analysis method.First,by combing the development of insurance regulation rules,we can see that the core of insurance system supervision is solvency supervision.The " C-ROSS " supervision system has become the basic law of China's insurance system.Then,it analyzes the classification of the main risks of the C-ROSS insurance companies and the impact that the C-ROSS has brought to the insurance industry.Then,through case analysis,and the data of the S insurance company property insurance premium income of the top fifteen of the property insurance company under the C-ROSS n of compensation in the insurance business,pay attention to the insurance business scale,comprehensive cost rate and the proportion of non separation;in other aspects of the use of funds to take full account of income,risk and capital occupancy,firm "insurance" should pay more attention to the insurance business,the insurance investment return itself,as a means of the use of insurance funds,but does not become a dominant business.