Research On The Factors Affecting The Solvency Of Z Property Insurance Company

With the deepening of China's internationalization and marketization process,China's property insurance companies may have insufficient solvency or even bankruptcy in the future,which will affect the stable operation of the entire economy.Therefore,solvency has become the focus of attention of property insurance companies and the Banking Insurance Regulatory Commission.In this paper it takes Z property insurance company as the research object,and analyzes the reasons for the lack of solvency of Z property insurance company and the influencing factors of solvency.This article consists of five parts.In the first part,it gives a brief overview of the research background and significance.In the summary of relevant literature research at home and abroad,it clarifies the importance and significance of solvency in maintaining the stable operation of property insurance companies.In the second part,the related concepts and basic theories of solvency are introduced as the theoretical basis of the full text.In the third part,taking Z property insurance company as an example,it analyzes the solvency insufficiency incidents from the perspective of premium income,claims expenditure,investment income,cost,reinsurance and macro environment.In the fourth part,the new solvency risk faced by the Z property insurance company is explained.In the past two years,the Banking Insurance Regulatory Commission has issued three supervision letters to the Z property insurance company,prompting the Z property insurance company to guard against its own risks.These risks may be to exert certain pressure on solvency,in order to improve the solvency of Z property insurance company,the gray correlation analysis method is used to study the factors affecting the solvency of Z property insurance company,and the influencing factors are relatively important for the solvency of Z property insurance company.In the fifth part is a summary of the full text and a vision for the future.At present,in the study of the factors affecting solvency,most of the studies use GDP as the index variable of external influence factors.This paper increases the insurance density and insurance depth as the index variables,and analyzes the factors affecting the solvency of Z property insurance companies in a more detailed way.The role of external factors enriches the research content of the factors affecting solvency.At the same time,most domestic research on the solvency of property insurance companies is based on the entire industry,and there are few studies on specific property insurance companies.This article takes Z property insurance company as the research object,and studies the solvency crisis in the past and the new crisis facing today.It is expected to give some inspiration to other property insurance companies.