| 保险业偿付能力监管的意义和方法 |
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| 引用本文： | 陈元燮.保险业偿付能力监管的意义和方法[J].财经问题研究,2003(1):35-40. |
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| 作者姓名： | 陈元燮 |
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| 作者单位： | 中国社会科学院财贸经济研究所,北京,100836 |
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| 摘 要： | 新《保险法》规定了今后将对保险业最低偿付能力进行监控 ,这对保护投保人的利益 ,促进保险业健康发展 ,具有重要意义。在监管方法方面 ,除现有规定外 ,今后首先要求保险企业从自身做起 ,讲求诚信 ,保证偿付能力 ;其次 ,要求行业自律 ,建立内部激励与约束机制 ;在宏观监控方面 ,应该偿付能力监管和市场行为监管两者并重 ,开展保险业信用评级 ,借鉴国际经验 ,不断完善偿付能力监管指标体系 ,改进财务报表制度。
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| 关 键 词： | 偿付能力 最低偿付能力 认可资产 认可负债 |
| 文章编号： | 1000-176X(2003)01-00035-06 |
| 修稿时间： | 2002年11月12日 |
The Significance and Method of Supervision and Administration for Pay Back Ability of Insurance Business |
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| CHEN Yuan-xie.The Significance and Method of Supervision and Administration for Pay Back Ability of Insurance Business[J].Research On Financial and Economic Issues,2003(1):35-40. |
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| Authors: | CHEN Yuan-xie |
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| Abstract: | The new Insurance Law regulates that the pay back ability of insurance business should be supervised and this is instrumental to the protection of interest of policy holders,and also to the healthy development of insurance business.On the side of supervision method,the ability of pay back is stressed,the mechanism of inner incentive and constraint should be established;on the side of macro supervision,we should learn from foreign experiences and improve the supervision system. |
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| Keywords: | ability of pay back lowest ability of pay back authorized capitals authorized debts |
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