欧美保险偿付能力测算模式的比较分析及其启示

偿付能力的度量及测算的模式是各国保险偿付能力监管体系建设的重要基础。由于我国与欧美等发达国家的保险业所处的发展阶段不同,我国保险业偿付能力测算模式构建的基本条件和市场环境等也与发达国家有较大的区别。所以,有必要对偿付能力的理论度量,及欧美偿付能力测算模式的应用的前提条件、适用环境以及优缺点等进行审慎的思考,以便对我国第二代偿付能力测算模式的构建及实施有所启示。

Solvency metrics and estiemated mode is an important foundation of the insurance solvency reg- ulation system in various countries. As the insurance industry of China, Europe and the United States and other developed countries are in different development stages, there is a large difference in the basic conditions and market environment of the insurance solvency estimated mode between China and developed countries. So, it is necessary to prudentially think on the prerequisite, applicable environment as well as the advantages and disad- vantage of theoretical solvency estimated mode and Europe and the United States solvency estimated mode, so as to draw some enlightenments for the construction and implementation of the second generation of solvency esti- mated mode in China