试谈我国保险企业偿付能力政府监管

【Abstract】wWw.shuoshilunwen.com Compared with our insurance market’s progress in the latest twenty years , the insurance regulation is relatively lagged . On the November 18th of 1998, the special insurance regulation institute was established .It is called the Insurance Regulation Committee of China (IRCC). IRCC began to solve many problems of Chinese insurance market and confer many lawful rules. But as for the whole contents of Chinese insurance regulation, the insurance regulation institute is still emphasizing on the insurance companies management and the clause or price making management. The core of insurance regulation that is solvency of insurance companies was only supervised at the method of Minimum Solvency Margin. The real regulation system that takes the solvency as the regulation heart is not established.My dissertation just gets into this point. At first, I analyze the Chinese insurance market. Then, I introduced the insurance supervision modes of U.S.A. and U.K. I try to create one mode of insurance solvency regulation. This mode should combine the method of Minimum Solvency Margin and the insurance information regulation indicators. Basing the thinking way, I divided my dissertation into four parts as following:part one: The Chinese market and its regulation 1. The necessity of insurance regulation I prove this necessity from the western economics angle and from the specialty of insurance markets.(1). In the western economics, there exist in market defaults. These defaults of markets will cause economic efficiency losses and unfairness. The government enters the market to supervise by some administrative ways. The government supervise can cast aside this inefficiency and unfairness. On the insurance market, there also exist market defaults such as monopolize、fraudulence、information-asymmetry. It also needs the government to supervise and ensure the fairness.(2). The insurance regulation is also decided by the specialty of insurance line. As we all know, the insurance is a special line that centralizes risks on themselves. It has many features such as wide sociality、complicated price making. The product of insurance line has the important character of time difference that is the time that consumers pay the premium and the time that consumers get the insurance compensation service is separated for long time especially in the life insurance product. Thus, many consumers take serious eyes on the future financial status of insurance companies. They worry about the solvency of insurance companies. If an insurance company go bankrupt, the whole society will be influenced. Because insurance line has the wide sociality character, it covers around every family and every line. It hardly to imagine how the social problem serious is if insurance companies go bad. So, every government has the responsibility to supervise the special line ---insurance line to ensure the stability of society and the behalf of insurance consumers.2. Chinese Insurance Market In this part, I summarize the latest twenty years’ progress that has been made in the Chinese market. From the point-view of achievement, the Chinese market is more open than before. It has already formed the competitive and foreign insurance companies. Insurance premium increases fast. Insurance line exhibits its important role in the national economy. At the same time, on our insurance market many problems exist such as the imbalance development among different areas, the backwardness in the cultivation of insurance market. The insurance market lacks of standard and jural management.3．The insurance regulation review and valuation.The day of Nov. 18th of 1998 is the milestone in the history of Chinese insurance regulation. Before the point, the insurance regulation institute is the People’s Bank of China (PBC). After that point, it is IRCC that regulates the insurance line of Chinese market. The two institutes do did many effective work on the Chinese insurance market. But the important defaults of their work is