中国偿付能力监管改革

The Reformation of China’s Solvency Regulation System

改革开放以来,我国保险市场持续快速发展,中国第一代偿付能力监管制度在防范风险、促进保险市场科学发展方面发挥了应有的作用。当前根据国内和国际保险市场和保险监管的发展形势,建设中国第二代偿付能力监管制度体系是重大而迫切的现实任务。本文探讨了偿付能力监管的理论基础和国内外的监管实践,研究了国际偿付能力监管的发展趋势,总结了我国偿付能力监管制度发展的历史,分析了偿付能力监管改革的重大意义,阐述了偿付能力监管改革的整体框架和技术原则,并介绍了中国第二代偿付能力监管制度体系建设的工作进展。

Since reform and opening up,China’s insurance market grew rapidly and sustainably.China’s first generation solvency regulation system serves a function of risk management and facilitates a healthy development of insurance industry in China.Nowadays,due to the evolvement of insurance market and the development trend of insurance regulation,establishing China’s second generation regulatory framework is an important,urgent and realistic task.This paper discusses the fundamental theory and domestic and international practices of insurance regulation,studies the development trend of international insurance regulation,overviews the history of China’s insurance solvency regulation,analyzes the significance of solvency regulation reformation,explains the conceptual framework and technical principles of China’s second generation solvency regulation system,and presents the latest progress on the development of this new regulation.