财险公司偿付能力影响因素对比分析

A Comparison Analysis of Influencing Factors on the Solvency of Property and Casualty Insurance Companies

在定性分析财险公司偿付能力内外部影响因素的基础上,考虑规模因素,本文从大、中、小规模公司中各选取有代表性的一家,采用灰色关联法对三家公司2007～2011年的数据进行偿付能力影响因素对比分析.实证结果表明,同一因素对不同规模的财险公司偿付能力的影响程度存在较大差异,因而不同规模的公司在管理偿付能力风险时侧重点应有所不同.

On the basis of qualitative analysis of the internal and external factors＇ influence on the solvency of property and casualty insurance company, and considering the scale factor, three representative companies were selected from large, me-dium and small size companies respectively. By using the grey correlation method and based on the data of the three companies from 2007 to 2011, the influencing factors of solvency were contrasted. The empirical results show that the same factor＇ influ ence on the solvency of various sizes of property and casualty insurance companies is quite different, so when managing insol-vency risks, attention should be focused on dissimilar aspects.