财产保险公司偿付能力的影响因素分析

Empirical Analysis of the Factors Affecting the Solvency of Property Insurance Companies

财产保险公司的偿付能力是其实现可持续发展的前提,探究哪些因素会影响到偿付能力,有助于提高我国财产保险公司抵御风险的能力,减少由于偿付能力不足而引发的各种风险。基于中国人寿财产保险股份有限公司、中国人民财产保险股份有限公司和中国平安财产保险股份有限公司三家财产保险公司2016—2020年的数据,运用灰色关联分析法,对其偿付能力进行实证研究发现,对偿付能力影响最大的是净利润率,其次是流动资产比率,关联度最小的内因是再保险率。因此,需要降低赔付支出,提高公司经营管理水平,改善资产结构,以此来提高保险公司的偿付能力。

The solvency of property insurance companies is the premise of their sustainable development.Exploring factors affecting the solvency can help improve China’s property insurance companies’ability to resist risks and reduce various risks caused by insufficient solvency.Based on the data of China Life Insurance,People’s Insurance Company of China and Ping An Insurance Company from 2016-2020,using the gray correlation analysis method,the paper has found that the largest factor affecting solvency is the net profit rate,followed by the current assets ratio.Correlation degree is the smallest internal cause.Therefore,it is necessary to reduce the compensation expenses,improve the management level of the company and the asset structure so as to improve the solvency of insurance companies.