Research On The Solvency Risk Control Of PICC P&C

The insurance industry is one of the three supports of modern finance and has an important guarantee for the development of our national economy and the stability of our national life.The safety and stability of insurance companies' operations are of reat significance to policyholders,insurance companies and the national economy.The contradiction between the rapid development of China's insurance industry and the extensive supervision model has become increasingly apparent.The lack of fairness and efficiency in the market has also placed higher demands on the risk management of insurance companies.Because its operating costs are post-placed,its The management of solvency risk is the top priority of enterprise risk management.At the same time,due to the construction of China's second-generation solvency regulatory system,it requires insurance companies to establish and improve the solvency risk management system.Therefore,how to identify,analyze and control insurance The company's solvency risk has become an important issue that companies must solve.This paper uses the fuzzy comprehensive evaluation method to research the solvency risk of PICC Plc.First,a large number of domestic and foreign related documents were searched,and the literature on insurance company solvency and insurance supervision system was summarized.Second,it introduced the related theory of insurance solvency and solvency risk.Then,the status of solvency of PICC PICC and major risk points were analyzed.Based on this,a set of solvency risk index system was designed,and risk assessment was conducted using a fuzzy comprehensive evaluation method.The following conclusion was reached: The overall risk of PICC P&C insurance was at a moderate level,but the risks of economic risk,policy risk,market risk,investment risk,operational risk,and financial risk in sub-risk are high.Finally,based on the above analysis results,PICC P&C Insurance Co.,Ltd.proposed measures to strengthen the solvency risk control.