保险公司破产的国际经验与借鉴

本文结合国外保险公司破产的具体案例,综合分析了保险公司破产的原因,这些原因既有保险公司内部的原因,也有外部的竞争和经济环境因素,而这些破产的历史教训是预防保险公司破产、及时甄别出有破产风险保险公司的宝贵经验。本文还介绍了英国、美国和日本的保险监管措施,以及RBC、IR IS、FAST、动态财务分析四种偿付能力监管系统。最后总结了国外保险公司破产对我国的启示。

International experiences for insurer bankruptcy and its indication

The paper cited bankruptcy cases of foreign insurers to generalize on reasons of their bankruptcy,both in relation to internal issues and external competition or economic environment.Their lessons are valuable experiences for other insurers to guard against the bankruptcy risks and for others to timely identify insurers with potential bankruptcy risk.The paper also introduced relevant regulatory rules in Japan,the United Kingdom and the United States and the four solvency margin regulation systems,namely,RB...