浅析新时期保险偿付能力的监管

摘  要

保险偿付能力是指保险企业对所承担的风险在发生赔偿和给付时所具有的经济补偿能力，它是保险公司持续稳定发展的基础，也是国家保险监督部门监管的核心。作为一个国家对其保险公司监督管理的核心内容，越来越多的国家不断加强对其进行研究和探讨，已形成适合本国特色的、行之有效的保险监管体系。从1980年建立保险监管体系以来，我国的保险偿付监管系统正在逐步建立与完善之中，但是因为我国保险业仍处在日渐成熟的阶段，保险偿付能力监管仍然比较落后。基于保险偿付能力监管的国际比较，本文章在分析了欧美发达国家的保险偿付能力监管体系后，结合本国未来保险发展的趋势以及应当注意的问题，从中得到对我国保险偿付监管的启示，并提出相应的对策和建议。

关键词：保险 偿付能力 偿付能力监管
ABSTRACT

The economical compensation ability which the insurance reimburses ability is refers to the insurance enterprise to the risk which undertakes when occurs compensates and pays has, it is the foundation which the insurance company continues to develop stably, also is the State insurance Surveillance Department supervising and managing core. As a country to its insurance company management by supervision core content, more and more many countries strengthens unceasingly to it conducts the research and the discussion, has formed suits our country characteristic, the effective insurance supervising and managing system.Has established the insurance supervising and managing system since 1980, our country's insurance reimburses the supervising and managing system to establish and during gradually the consummation, but because our country insurance business still occupy day after day the mature stage, the insurance reimburses ability supervising and managing quite to be still backward.Reimburses ability supervising and managing based on the insurance the international comparison,this article in the developed countries of Europe and the United States solvency of the insurance regulatory system, with its own future as well as the trend of development of insurance should pay attention to the problem, it has got to pay for China's insurance regulatory insights, and to make appropriate responses and suggestions.

Key word: Insurance   Reimburses ability   Reimburses ability supervising and managing   

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】