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美国是保险经营和保险研究非常发达的国家,其保险监管规则在世界上具有很强的代表性。目前,全美保险监督官委员会(NAIC)使用的RBC规则,是其对保险公司进行偿付能力额度监管的核心手段。通过分析美国偿付能力监管制度的运作经验,指出我国偿付能力监管领域存在的主要问题,对进一步完善我国偿付能力监管提出对策建议。
The United States is a very developed country in insurance management and insurance research. Its insurance regulatory rules are very representative in the world. Currently, the RBC rules used by the National Insurance Authority Regulatory Commission (NAIC) are at the core of its regulation of the solvency limits of insurers. By analyzing the operational experience of the US solvency supervision system, the paper points out the main problems in the field of solvency regulation in our country and puts forward some countermeasures and suggestions on how to further improve the regulation of solvency in China.