联系我们

论文查询结果	返回搜索

论文编号：	12440
作者编号：	2320180600
上传时间：	2021/6/11 14:39:58
中文题目：	HX人寿偿付能力管理研究
英文题目：	Research on HX-life Insurance Company’s Solvency Management
指导老师：	王曼舒
中文关键字：	保险机构；偿付能力；偿付能力充足率；风险管理
英文关键字：	insurance institutions; solvency; solvency adequacy ratio; risk management
中文摘要：	保险偿付能力是指保险公司根据保险合同的规定，在投保人发生经济损失时，给予投保人赔偿和给付的能力。保险行业十分容易发生波动，保险企业需要面对很多潜在风险，在风险的影响下保险公司的资产状况和运营能力也会发生改变。为了促进保险行业的健康发展，国家必须对保险行业进行监管，而国家开展监管工作想要实现的一个重要目标就是保证更多的保险公司具有稳定的偿付能力。2020年7月17日，中国银行保险监督管理委员会发布公告，决定对HX人寿保险股份有限公司实施接管，并由此引发了人们对HX人寿偿付能力管理问题的关注。 本文以HX人寿保险股份有限公司的偿付能力管理问题作为具体的研究对象，基于风险管理理论、偿付能力风险理论等，并结合国家监管的相关规定，采用理论分析法、比较借鉴法、案例分析法等研究方法，对HX人寿的经营状况、财务状况及其偿付能力表现进行分析，并重点对HX人寿在偿付能力管理上暴露出的问题及原因进行研究，发现HX人寿在公司战略、运营管理、操作风险管理、流动性管理和投资管理方面问题尤为严重。针对这些问题，本文从转变资产配置、优化产品结构、加强经营管理等方面对HX人寿现有的偿付能力管理方案进行优化，并尝试提出创新的风险管理对策。 本文通过对HX人寿偿付能力管理问题的分析与研究，为HX人寿妥善处置现有偿付能力风险、迎接未来长期发展面临的挑战提供了参考方案，简要总结HX人寿被银保监会接管带来的影响与启示，期望可以对同类保险公司的经营转型以及偿付能力管理方案优化提供借鉴作用。
英文摘要：	Insurance solvency refers to the ability of an insurance company to compensate and pay the insured when the insured suffers economic losses in accordance with the provisions of the insurance contract. The insurance industry is very prone to volatility. Insurance companies need to face many potential risks. Under the influence of risks, the asset status and operational capabilities of insurance companies will also change. In order to promote the healthy development of the insurance industry, the state must supervise the insurance industry, and an important goal that the state wants to achieve in carrying out supervision work is to ensure that more insurance companies have stable solvency. On July 17, 2020, the China Banking Regulatory Commission issued an announcement, deciding to supervise HX-life Insurance Co.,Ltd. And this has aroused people's attention to the solvency management of HX-Life. This article takes the solvency management of HX-Life Insurance Co., Ltd. as the specific research object. Based on risk management theory, solvency risk theory and so on, combined with relevant regulations of national supervision, it uses theoretical analysis, comparative reference and case analysis Analyze HX-Life’s operating status, financial status and solvency performance with research methods such as law, and focus on the problems and reasons exposed by HX-Life’s solvency management, and found that HX-Life has serious problems in corporate strategy, operation management, operational risk management, liquidity management and investment management. In response to these problems, this article optimizes HX-Life’s existing solvency management program from transforming asset allocation, optimizing product structure, and strengthening business management, and tries to put forward innovative risk management strategies. Through the analysis and research of HX-Life’s solvency management issues, this article provides a reference plan for HX-Life to properly handle existing solvency risks and meet the challenges of future long-term development, and briefly summarize the impact of HX-Life’s takeover by the China Banking and Insurance Regulatory Commission. With enlightenment, it is expected that it can provide a reference for similar insurance companies' operation transformation and solvency management plan optimization.
查看全文：	预览  下载(下载需要进行登录)