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保险监管机构对保险公司设定偿付能力资本要求,是保险监管“三支柱”框架下的“财务监管支柱”中的一项核心指标之一。该指标的设置是否合理,对保险业的发展影响重大。本文通过将我国非寿险业务最低偿付能力资本要求的现行标准与欧盟及美国的相应标准进行比较,采用理论分析与实例分析相结合的方法,探讨了我国现行标准的合理性问题。初步研究表明,我国现行标准低于欧盟和美国的现行标准。
Insurance regulatory agencies set the solvency capital requirements for insurance companies is one of the core indicators of the “financial regulatory pillar” under the “three pillars” of insurance regulation. The setting of this indicator is reasonable and has a significant impact on the development of the insurance industry. This paper compares the current standard of the minimum solvency capital of non-life insurance business in China with the corresponding standards in EU and the United States, and uses the method of combining theoretical analysis with case analysis to discuss the rationality of current standards in our country. Preliminary research shows that the current standards in our country are lower than the current standards of the EU and the United States.