文档介绍：上海海事大学硕士学位论文寿险公司偿付能力不足的对策研究姓名:郭锦霞申请学位级别:硕士专业:工商管理指导教师:钱建娣 20051201 上海海事大学强A举位沦文卷险公司镁掰能力不是翁对蒙研究摘要截壹2004年痣,在中磊麓寿陵枣溺上滔祆着中缁久寿、中洋人寿、新华人寿、泰康人寿、中宏人寿、太平洋安泰、美围友邦等31 家寿险公司,獒中中困^人寿、中国甲安夫寿、太乎洋入寿、耨华久寿溺家“重无霸”共占据了80%以上的市场份额,其余的市场则由其它中小挺寿险公司分享。 2004年滔家“巨无霸”中藏鸯三家:中禹久誊、太平洋火寿粒囊华入寿受裂佼监会的关于偿付能力存在问题的监管报告。本文从保险的法律法规、撼本原则等出发,定量和定性相结合,对寿险业偿付能力闽题进括了具{奉磅究:夔先在对偿付能力定义邀褥阐述的基础上,详细分析了我阔政府对偿付能力监管的两道防线,通过对保险公司一系列财务指标的控制,建立起第一道预警防线;避过对偿付能力充足率具体数额的限额控制,建立了起第二道预警防线。并从对保险公司日常经营及金融体系稳定的影响的角度分辑了偿l寸能力监管的必要性。通过对我阐偿付能力普遍4i足的现状分析,指出造成偿付能力不足主要琢凶是:困保险业的快速发展,认可负债成倍增长;因产品结构不会理,像险公司的承保利润一直徘徊在亏损的边缘:冈投资渠道狭窄,投资收益率不高:整体赢利状况不佳,影响了股东追加投资的积极性、缺乏核心竞争力等~系列的原因使保险公司普遍陷入偿付能力不足的困境。本文从补充附属资本、股本金、提高盈利熊力、建立保险诚信体系等角度提出了增强保除公司偿付能力的手段及政府相应的政策支持。编论部分是本论文的主要研究成果和相关建议、创瓶与不足以及进一步研究的方向。关键词:寿险公司,偿付能力,监管、对策研究上海海事走学辩A学经论文毒麓公司接纣藏力举定抟瓣慕辑究 H()W下O lNPROVE lNSUR焱NCE e0RPO雕loN’S SOWEN(;y ABSTltACT The Rate ofinsurance solvency had only has e universal phenomenon that insurance solvency islack in our insurance vocation+ This thesis analyzed thesolvency actuality ofinsurance’S corporation in our ,the thesis analyzed two supe绺ised systems of our government foravoiding the risk of lack {嘲嗽the thesis analyzed thecausation of lack of insurance solvency as following: The e panies increased rapidly,but the capital of them almost had notchange near years. Because deposit’S interest have descended time aftertime since 1996,the guarantee slip saled ago brought great Josses to panies, especially panies, The size of panies isnot propitious tothe size of their debts,Their debts are larger than theirsize ofmanagement. Earning yield ofinsurance’S invest was lowinpastyears. Lastty,the thesis gives the solution of improving solvency,such as: mending product frame;founding credited system;criterion invest environment; playing down bulwark ofinsurance;adding capital ofinsurance Co,:increasing earning of insurance Co.;constructing petence+ 2 圭查釜皇点鲎!鍪堂焦笙塞量墼叁登篷壁整查歪墨篓整燮 GuoJinXia(MBA) Dimoted by Professor QianJ