Research On The Influence Factor Of Insurance Companies' Solvency Under "C-ROSS"

The insurance industry will be in close relationship with health care,pension,agricultural issue and other people's livelihood areas,.The insurance are in the development and assume greater social responsibility,at the same time,its solvency is also getting more attention,the solvency has become the most important indicators of an insurance company's stability.However,the potential risks can not be ignored,except traditional risk,cross-markets,cross-regional,cross-industry transfer risk began to emerge,radical operation risk has also become a problem that many insurance companies must face with.Recently,the insurance company' asset-liability mismatch problem triggered by the high ratio of universal insurance business,the risk investment yields down caused by capital market fluctuations and other issues have appeared,and the series of problems impacted the solvency of insurance company under the background of C-ROSS.C-ROSS is the short name of China-Risk Oriented Solvency System.Its purpose is to strengthen supervision and improve the solvency management level of insurance companies.The C-Ross construction began and gradually become perfect.In 2015,the CIRC carried out the all new C-ROSS in due form,after commissioning and demonstration of transition.The insurance industry begin to formal implementation of C-ROSS.The insurance company can also get advance in the long run.The purpose of this paper is to analyze the influencing factors of solvency through the theoretical research and empirical analysis from the perspective of the financial management of insurance companies,and propose ways to improve solvency from the financial management methods.First,make a theoretical analysis of the impact factors of insurance company solvency.then analyses the insurance companies' financial data and index,choosing a sample of 105 insurance companies,then building model,find out the factors that impact the insurance companies,solvency adequacy ratio and analyses the factors,put forward methods from a financial perspective to improve the insurance company solvency.This is conducive to the insurance companies in expanding business and stable operation,keep good financial situation,control risk,safeguard the rights of the insured.Integrated the results of analysis,come to know that capital levels,liquidity,profitability,reinsurance,operating capacity and operating costs on the impact of insurance company solvency.In the end,combining the actual situation of our country's insurance companies,analysed the verdict of empirical research,and put forward some opinions.