Research Of QH-life Insurance Company's Solvency Risk Problem

Along with the progress of China's market economy,an ageing population increase and food safety problems,Chinese people's demand for insurance is increasing,life and health commercial insurance has developed rapidly.However,in the rapid development of China's insurance industry,there are some problems that cannot be ignored.Aggressive insurance companies represented by QH life,Evergrand life and Anbang life,received high attention from all walks of life by buyout over 5% of total shares of listed company.Such aggressive insurance company's shareholders attaches great importance to the insurance company as a financing platform,with high cash value of medium and short-term universal insurance as financing means,raising a lot of money in the short term after investing capital markets,real estate or other fields to get a high risk return,deviated from the intrinsic demand of maintaining the ensuring traits of insurance.This kind of high leverage financing mode brings not only the obvious negative impact of China's economic operation,but also brings great challenges to the insurance company's own operation and reputation of the insurance industry.This paper is given priority to with universal life insurance of QH life as an example and deeply analyzed its solvency risk.In order to promote sustained and stable development of this company and put forward reasonable suggestions for such companies' solvency supervision.On the basis of literature review,firstly this paper systematically expounds the theoretical basis of solvency risk research.Secondly,the operation status,development strategy and solvency of QH life are comprehensively analyzed.In the fourth part of the thesis,the problems and causes of QH life insurance solvency risk exposure are studied systematically.In the solvency of the eight major risk,find that QH life's insurance risk,operation risk,strategic risk,reputation risk,liquidity risk,control risk are more severe problems in addition to the market risk and credit risk.Although QH life has a quantifiable solvency risk,it is more difficult to quantify the risk of solvency,and such risks have not been given the warning and attention before the outbreak.QH life company's own active disclosure of solvency risk is less,and undisclosed risk is more.QH life has both existing stock risk and larger risk.It is possible to have an outbreak at any time and must pay highly attention to it.Finally,the author thinks that QH life must take proper disposal mode of existing solvency risk,abandon too radical mode and take measures such as enlarging the observance of the law to get rid of this situation.Furthermore,starting from the research conclusion of this case to conclude the research revelation,transformation for such radical life insurance company'sbusiness and suggestions to improve the solvency risk regulatory policy are put forward.