国外保险偿付能力监管模式对我国保险监管的启示

偿付能力监管是保险监管的核心,只有通过对偿付能力的有效监管才能实现保险业经营的稳定性和保护投保人利益。发达国家保险监管机构主要通过规定资本充足性要求、建立偿付能力预警系统和现场检查对保险公司的偿付能力进行监管。监管标准是建立在对保险公司风险评价的基础上,建立风险导向型的偿付能力监管体系已成为保险监管的趋势。目前我国保险监管机构对保险公司偿付能力的监管已从微观的"条款费率监管"转向宏观的"偿付能力监管"。要改善我国保险业偿付能力监管,须灵活监管保险企业资金的运用,完善资产评估方法;多种方法结合以减少识别错误带来的监管成本;建立动态资本充足率测试;重视对外资保险公司的监管;完善法律法规。

Solvency margin regulation is the core of insurance regulation, and only through effective solvency margin regulation can we ensure the insurance industry＇s solid operation and protect policyholder benefits. Insurance regulator in developed countries supervise insurer＇s solvency level through regulating their capital adequacy, establishing solvency margin prospecting system and conducting on-site inspection. Regulatory standards are set on the basis of the risk appraisal of insurers and establishing a risk-oriented solvency margin supervision system has become the trend of insurance regulation. China＇s insurance regulation has transferred from a micro-product pricing supervision to a macro- solvency margin supervision. To continue to improve on China＇s solvency margin supervision, we must properly oversee insurance funds investment, perfect the asset appraisal method, reduce regulatory costs due to faulty regulation through application of multiple methods, establish dynamic capital adequacy ratio testing system, emphasize supervision on foreign insurers, and enhance legislation.