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偿付能力是保险公司的灵魂,涉及到保险业务经营的各个环节,是保险公司生存发展的命脉,因此,世界各国均把保险公司偿付能力监管作为监管的核心内容。我国的《保险法》、《保险公司管理规定》、《保险公司偿付能力额度及监管指标管理规定》和中国保监会发布的1-13号保险公司偿付能力报告编报规则及相应的实务指南等法律法规和部门规章,一起构建起了比较完善的静态偿付能力监管制度体系,初步建立了适合中国保险发展和资本市场实际状况的偿付能力监管模式。
Solvency is the soul of insurance companies. It involves all aspects of insurance business and is the lifeblood of the survival and development of insurance companies. Therefore, all countries in the world regard the regulation of solvency of insurance companies as the core of regulation. China’s “Insurance Law”, “Insurance Company Management Regulations”, “Insurance Company Solvency Margin and Regulatory Indicators Management Regulations” and the China Insurance Regulatory Commission released No. 1-13 insurance company solvency reporting rules and the corresponding practice guidelines and other laws and regulations And departmental rules and regulations together to build a relatively complete system of supervisory system for the solvency of static solvency and initially set up a solvency regulation model suitable for the actual situation of insurance development and capital market in China.