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自然灾害的发生及所造成的经济损失是难以测定的,对于经营风险的保险公司来说,既受到风险的威胁,又要维护被保险人的合法权利,必然要求保险公司首先要保证有偿付能力。因此,加强对保险公司偿付能力的监督和管理,确保保险公司具有足够的偿付能力,是正确贯彻执行《保险法》的一个关键问题。 一、必须依法监管保险公司偿付能力 保险公司因风险集中造成巨灾损失,或因经营管理失策,丧失偿付能力甚至破产是常有的。从国际保
The occurrence of natural disasters and the economic losses caused by them are difficult to measure. For insurance companies that run risks, they are not only threatened by risks but also the legitimate rights of the insured. They must insist that the insurance companies must first ensure the solvency . Therefore, to strengthen supervision and management over the solvency of insurance companies and to ensure that insurance companies have sufficient solvency is a key issue for the correct implementation of the Insurance Law. First, we must supervise the solvency of the insurance company according to law Insurance companies due to the concentration of risk caused by catastrophe losses, or because of business management, loss of solvency or even bankruptcy is common. From international insurance