保险公司偿付能力监管：国际趋势及其对我国的启示

Insurer's Solvency Supervision:International Experiences and Implications for China

偿付能力监管是保险业监管的核心内容。目前,国际上有代表性的偿付能力监管模式包括以欧盟偿付能力I为代表的基于业务量的模式和以美国风险资本为代表的基于风险的模式。在保险业发展过程中,基于风险的模式将成为保险公司偿付能力监管的趋势。在我国完善保险公司偿付能力监管体系的过程中,应充分借鉴国外已经取得的成果和经验。

Solvency supervision is key to insurance supervision. Currently, there are two main solvency models. One is EU Solvency I which is based on reserves and retained premiums, the other is NAIC RBC model which is based on risks exposed by insm＇ers. The trend is that risk - based model will dominate in solvency supervision. In the process of improving China＇ s solvency supervision system, we should learn from experiences and lessons of foreign countries.