摘要
在"偿二代"正式实施的背景下,保险公司最低资本要求的风险因子大幅降低,表明其风险偿付能力的提高。近几年来,安邦财险、富德人寿等保险公司频繁举牌,将万能险作为其保费收入的主要来源,这一现象引起了部分机构、学者的广泛关注,并引出了"资产驱动负债"模式。这一模式完全颠覆了原有模式,但其中尚存在诸多疑虑,也值得我们去研究资产驱动负债模式下财产保险公司资金运用所面临的风险以及应对这些风险的有效策略。
Under the background of Solvency II, the risk factors of requirement of the minimum capital for the insurance company has decreased to a large degree, which shows the increase of its risk solvency. In recent years, frequent acquisition by the insurance companies such as An Bang property in- surance company, Fu De life insurance company, with the universal insurance as their main source of premium, have aroused the intensive attention of the institutions and scholars. A model of ＂asset--pro- moted liability＂ was even introduced, which has overturned the existing model. But there are still some doubts about it which calls for further research on how to deal with the risks of fund application faced by the property insurance companies under the model of asset--promoted liability.
出处
《保险职业学院学报》
2017年第6期34-37,共4页
Journal of Insurance Professional College
关键词
资产驱动负债
财险公司
资金运用
Asset-- promoted liability
Property insurance companies
Fund application
