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论文编号：	369
作者编号：	052262
上传时间：	2008/1/6 16:33:49
中文题目：	我国寿险公司偿付能力风险管理
英文题目：	China Life Insurance Company S
指导老师：	齐寅峰
中文关键字：	人寿保险 偿付能力 偿付能力风险
英文关键字：	life insurance solvency solv
中文摘要：	寿险公司的偿付能力是指寿险公司能够按期偿付保险债务的能力，表现为公司资产和负债的一种关系。偿付能力是寿险公司的“生命线”，没有充足的偿付能力就不能从根本上保证被保险人的利益和寿险公司的生存与发展。 自改革开放以来，中国寿险业得到了迅速发展，已经成为金融体系的一个重要组成部分。但是，在很长一段时间内，我国寿险公司采取粗放型经营模式，普遍存在重视保费收入和网点扩张速度，忽视风险管理的问题。在保费收入快速增长、资产规模急速扩张的同时，由于资本注入不足、利率水平多次下调、经营成本居高不下、投资收益率低、资产负债不匹配等内外部原因，我国寿险公司的偿付能力受到严重侵蚀，对寿险业的健康发展造成极大的威胁。因此，研究我国寿险公司的偿付能力风险现状及风险管理措施，对于中国寿险业、金融业乃至整个国民经济的稳定发展具有十分重要的意义。 全文主体分为四部分。第一部分全方位总结偿付能力及偿付能力风险的概念，并从寿险业务的特点和功能出发，从理论上论述寿险公司偿付能力风险存在的逻辑必然性和维持充足的偿付能力的重要性；第二部分在瑞士再保险公司提出的偿付能力决定模型的基础上，从内部因素、外部因素两个方面，深入系统地分析偿付能力风险影响因素的一般原理和作用机制，并辅以美国、日本偿付能力危机的案例说明；第三部分首先回顾改革开放以来我国寿险业发展取得的成绩，指出我国寿险业高速成长中蕴含的隐患和风险，然后，根据偿付能力的监管规定，对我国主要寿险公司的偿付能力额度进行定量计算，由此，进一步分析我国寿险业偿付能力低下的原因；第四部分以寿险公司为管理主体，探讨我国寿险公司偿付能力风险管理措施，分别从负债、资产以及资产负债之间的联系、资本以及内控制度建设方面提出了建议。
英文摘要：	Solvency is life insurance company’s ability to pay its obligations under policy commitment. It mainly embodies the relation between company assets and liabilities. Solvency is the lifeline of life insurance company. The shortage of solvency will damage public benefits as well as the survival and development of life insurance company. Resumed since 1982, life insurance of China gains rapid development and has become an important part of our financial system. However, in a long period, China life insurance companies adopted extensive management mode. They focused on increasing premium income and expanding business, but ignored risk management. Owing to shortage of capital, downward adjustment of interest rate, highness of running cost, lowness of return of investment and unmatching of assets and liabilities, solvency of China life insurance was greatly eroded. This will enormously threaten the healthy development of China life insurance. Therefore, analyzing the existing solvency risk and searching for control measures is of very vital significance to our financial stability, social welfare and economic development. The main body of the dissertation is divided into four parts. The first part summarizes the definition of solvency and solvency risk from various aspects. Beginning with characteristics and functions of life insurance, the dissertation theoretically discusses the unavoidability of life insurance solvency risk and the importance of maintaining sufficient solvency margin. The second part derives theory from Solvency Decision Model raised by Swiss Reinsurance Company and systematically analyzes factors affecting solvency of life insurance both from inside and outside the companies, complemented with case analysis of American and Japanese solvency crisis. The third part reviews the growth of China life insurance since its resumption, points out the potential risks, calculates its solvency margin and analyzes the reason of solvency insufficiency of China life insurance companies. The fourth part discusses China life insurance companies’ methods of solvency risk management, from the angles of liabilities, assets, the interaction between assets and liabilities, capital and internal control mechanism.
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