浅析次级债融资对保险公司偿付能力的影响

次级债融资具有快速补充资本、迅速提高偿付能力的优点,因此为大多数保险公司所青睐。与此同时,发行次级债对提高偿付能力效果的局限性也不容忽视。本文在介绍我国保险公司次级债相关概念及发行情况的基础上,重点探讨了发行次级债与提高保险公司偿付能力的关系,以及《保险公司次级定期债务管理办法》出台后,发行次级债对提高偿付能力效果的影响。

Subordinated debt financing can replenish capital and improve solvency adequacy quickly. Meanwhile the limitations of improving insurers＇ solvency adequacy through issuing subordinate debts should not be ignored. The paper introduced insurers＇ subordinated debts and related concepts, then mainly discussed the relationship between issuing subordinated debts and improving solvency adequacy. Based on the relevant laws and regulations, the paper elaborated on the effect of improving insurers＇ solvency adequacy through issuing sub- ordinate debts.