金融创新背景下解决中国保险业偿付能力不足的对策研究

偿付能力不足一直是我国保险业存在的核心问题 ,当前造成我国保险业偿付危机的主要原因是资本投入不足、资金投资渠道受到严格限制以及银行连续七次降息的影响。在金融创新的大背景下 ,国际保险业呈现出业务多元化、组织集团化、资本国际化等趋势。随着中国加入WTO的临近和全球经济一体化进程的加速 ,研究如何在这种金融创新背景下解决中国保险业偿付能力不足问题具有重大理论和实践意义。

Research on Policy Measures toward Less Capability of China's Insurance Industry to Compensate on the Background of Finance Innovation

The core problem in China's insurance industry is that the industry is less capable to compensate.Three main causes are analysed.It is held that,on the great background of finance innovation,international insurance industry manifests itself in trends of multi_purpose,group_adjustment in organization and capital internationalization.Since China is approaching WTO and the economic globalization is speeding up,it is of far_reaching theoretic and practical significance to work out the problem that China insurance industry has encountered.