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偿付能力监管是各国保险业监管的核心,此次金融危机揭示出原有的保险偿付能力监管制度存在巨大的缺陷。本文对美国、加拿大、百慕大、澳大利亚、英国、瑞士、欧盟等七个国家或地区的监管体制进行了比较研究,分析各国在风险的识别方式、风险评估模型及偿付能力监管报告和检查制度上的共性与特征,介绍可能的发展趋势,并为我国完善偿付能力监管制度提出了建议。
Solvency regulation is the core of insurance regulation in all countries. The financial crisis revealed that there are huge defects in the original regulatory system of insurance solvency. This paper compares the regulatory systems in seven countries and regions such as the United States, Canada, Bermuda, Australia, the United Kingdom, Switzerland and the European Union, and analyzes the risk assessment methods, risk assessment models and solvency regulatory reports and inspection systems in various countries Common features and characteristics, introduce possible trends, and put forward suggestions for improving the regulatory system of solvency in China.