DFA方法在保险公司偿付能力评估中的应用

DFA Approach for Insurer's Solvency Assessment

目前,保险公司偿付能力评估方法正在由以定性分析为主向定性和定量相结合过渡。本文在对现有偿付能力评估方法进行比较分析的基础上,阐述DFA模型的基本原理及其应用于保险公司偿付能力评估的现实性与可行性,并对这一方法在我国的应用前景进行了展望。

The insurer solvency assessment approach has been more and more focused on quantitative analysis. I compare the exiting solvency assessment approaches, and characterize the principle of dynamic financial analysis （DFA） in this paper, I also provide the reality and feasibility of the approach used in insurer＇ s solvency assessment, and look at its application in china.