摘要
"偿付能力(solvency)"是保险经营中的重要概念,给出其科学、严谨的定义,是对保险公司偿付能力进行内部管理和外部监管的基础。本文通过对4个实际案例的对比分析,剖析了这一概念所包含的四个特征:不确定性、预测滞后性、导因复杂性和控制方法多样性。最后,我们从保险公司实际经营的视角重新定义了"偿付能力"的概念。
Solvency is an important concept in insurance operation, whose scientific and precise definition is the basis to internally manage and externally supervise the solvency of the insurance company. This paper analysed its 4 features through the comparative analysis on 4 cases ：its uncertainty,the hysteresis of its forecast, the complexity of its inducement and the variety of its control method. In the end, the paper re-defined the concept of solvency from the perspective of the actual operation of insurance company.
出处
《保险研究》
CSSCI
北大核心
2014年第2期3-10,共8页
Insurance Studies
关键词
偿付能力
保险监管
风险
solvency
insurance supervision
risk
