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近年来,世界各国在保险偿付能力监管方面采取了很多改革措施。在2007～2008年国际金融危机中,尽管保险业所受影响相对较小,但行业自身出现的创新速度加快、业务结构日趋多元、保险产品日益复杂的新形势、新特点,引发了各界密切关注。如何构建严谨、全面、动态的风险评估体系,成为后危机时代金融保险监管改革的主旋律。美国
In recent years, many countries in the world have adopted many reform measures in the regulation of insurance solvency. In the international financial crisis from 2007 to 2008, despite the relatively insignificant impact on the insurance industry, the industry itself has witnessed rapid innovation, diversified business structures and new and increasingly complex insurance products, arousing close attention from all walks of life . How to construct a rigorous, comprehensive and dynamic risk assessment system has become the main theme of the financial insurance regulatory reform in the post-crisis era. United States