联系我们

论文查询结果	返回搜索

论文编号：	4782
作者编号：	2120102427
上传时间：	2012/12/11 16:32:10
中文题目：	我国第二代保险偿付能力监管体系研究
英文题目：	Research on the second generation of insurance solvency regulation system in China
指导老师：	黄福广
中文关键字：	保险业;第二代;偿付能力;监管体系
英文关键字：	Insurance the second generation solvency supervision
中文摘要：	2008年全球金融危机之后，金融监管机构一直在加快推进金融改革，金融监管有着国际趋同的大趋势。国际保险业的监管规则也正在不断革陈推新，备受瞩目的欧盟偿付能力II正在紧锣密鼓的推行中，预计2014年投入使用；美国保险监督官协会（NAIC）也在变革中，预计2012年底将完成偿付能力现代化工程建设，对美国现有的偿付能力监管体系做出调整。2011年国际保险监督官协会（IAIS）出台了新的26项重点监管规则，为保险集团的监管规则制订统一的框架，并将偿付能力监管作为重中之重。 我国偿付能力监管始于2003年，监管制度是伴随着市场发展和风险变化而变化的，目前国内保险市场快速发展，保险市场和资本市场的对接也日益紧密，保险投资渠道不断拓宽，风险隐患越来越高，我国现行的第一代偿付能力监管制度体系存在着一些缺陷，不能适应新环境新变革中的监管需要。 为能与国际保险监管规则接轨，中国保监会2012年出台了《中国第二代偿付能力监管制度体系建设规划》。该规划预计用三至五年时间，形成既与国际接轨、又能充分适应我国保险市场的偿付能力监管制度。如何建设保险业第二代偿付能力监管体系成为目前全行业都在讨论的热点课题。 本文以定性分析为主，通过回顾我国偿付能力监管的发展历史，结合国内保险市场和资本市场发展的现状，指出目前偿付能力监管制度中存在的指标设计不科学、缺乏动态监管和预警等问题。通过比较分析欧盟、美国、日本的偿付能力评估方法及最新的改革内容，借鉴各国偿付能力监管方式的特点，重点参考欧盟偿付能力II。在此基础上，针对性地对我国的第二代偿付能力框架从内部模型设计和外部制度建设等方面提出建议，同时考虑到在新体系建设中可能出现的一些问题提出参考建议。
英文摘要：	The 2008 financial crisis, international financial reform has been rapidlyadvancing, and the convergence of the international financial supervision significantly speeds up.International insurance regulatory rules are also undergoing a majorchange: the International Association of Insurance Supervisors (IAIS) which introduced a new 26 core regulatory principles in October2011 are working on a common regulatory framework for the globally Insurance Groups and will take Solvencyas the core content of supervision; the EU is stepping up efforts to promote the solvency II, which will carry out in 2014; the United States Association of Insurance Supervisors (NAIC) has been started the solvency of modern engineering, adjusted the solvency regulatory system, which is expected to completed by the end of 2012. Solvency regulation in China began in 2003, after a major change in 2008 it has gradually formed a relatively complete regulatory framework system. As the rapid development of the domestic insurance market and capital market, the existing solvency regulation system can not fully meet the requirements under the new situation in some aspects. Conform to the trend of international finance and insurance regulatory reform, with the rules of the international insurance regulatory standards in March 2012, the CIRC issued a “the construction plan ofthe second-generation solvency regulation system.” The plan is expected to draw up a set of international standards, compatible with the feature of Chinesedevelopinginsurance industry in three to five years.How to build the second generation of the solvency of the insurance industry regulatory system is needs to discussin industry-wide. Thethesisreviews the history of the development of China solvency regulation, combined with the status quo of the domestic insurance market and capital market, pointes out the problem in the solvency regulatory system such as the unscientific items, the lack of dynamic monitoring and early warning etc. Through a comparative analysis of the solvency capitalFormula and the latest reform of the EU, the United States and Japan, we find out the characteristics ofthese solvency regulation, especially the EU Solvency II. On this basis, we take some advice on both internal and external model design of the construction plan ofthe second-generation solvency regulation system, taking into account some of the problems that may arise in the construction of a new system reference proposal.
查看全文：	预览  下载(下载需要进行登录)