我国保险公司偿付能力影响因素研究

保险公司的偿付能力是理论界、监管机构和保险业内关注的问题,该研究使用2007-2012年975家保险公司的数据,对我国保险公司的偿付能力及影响因素进行了理论分析和实证分析,并利用各种影响因素来解释保险公司偿付能力差别的原因。研究发现,保费增长率、赔付比率同企业偿付能力负相关,保费收入比重、资产净利率和准备金提取率同偿付能力正相关。论文拓展了对偿付能力的研究,并在改变保险公司发展模式和提高保险公司的产品结构,提高保险公司偿付能力等方面提出了相应的政策建议。

Research of the Elements Influencing the Solvency of Insurance Companies in China

The insurers solvency is concerns in theory, regulators and insurance industry. With data from 2007 to 2012, including 975 insurance companies, this study uses empirical analysis and normative analysis for solvency and its influencing factors, and explains the difference between solvencies of insurance companies using a variety of factors. This study finds that premium growth, loss ratios negatively correlated with corporate solvency, and the proportion of premium, premium growth and loss ratios negatively correlated with solvency. This paper extends the study of insurer" solvency companies and gives some policy recommendations about changing insurer' development patterns, improving the product structure and the solvency of insurance companies.