借鉴风险基础资本(RBC)加强保险业偿付能力监管制度建设研究

Study on How to Use Reference Risk Capital(RBC) to Strengthen Insurance Solvency Supervision System Construction

偿付能力是衡量保险业经营稳定性和风险控制程度的关键指标,随着经济自由化和国际化的发展趋势,偿付能力监管已经成为各国保险监管的核心。由于保险业是经营风险的特殊金融行业,其监管制度必须能够衡量风险大小,所以为了弥补传统固定资本额的缺失,发展较具弹性且能反映整体经营风险的风险基础资本,借鉴美国的风险基础资本额制度,加强我国保险业偿付能力监管制度建设具有十分重要的意义。

The solvency is the measure of insurance business stability and the key indicators of risk control.With the development of economic liberalization and internationalization,the supervision of insurance solvency has become a key issue for worldwide insurance supervision.Due to the management risk,insurance is a special financial industry,and its regulatory system must be able to measure the risk.So in order to make up for the loss of traditional fixed capital investment,developing elastic basic risk capital which can reflect the overall risk management of risk capital and taking reference to the American basic risk capital system are significant for strengthening the insurance solvency supervision in China.