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财险公司最低偿付能力的影响因素很多,包括财险公司内部因素、国内保险业发展状况和国际经济环境变化等。比率法将赔付率作为偿付能力的最重要影响因素,给出了财险公司最低偿付能力额度的简单且实用的度量。本文首先利用线性模型分析我国各财险公司赔付率的分布规律,再结合比率法分析我国财险公司最低偿付能力额度,提高比率法分析结果的可信度。分析结果显示,我国财险公司偿付能力额度应当分类监管。
There are many factors affecting the minimum solvency of property insurance companies, including the internal factors of the property insurance companies, the development of the domestic insurance industry and changes in the international economic environment. The ratio method takes the loss ratio as the most important factor of solvency, and gives a simple and practical measure of the minimum solvency quota of property insurance companies. In this paper, we first use the linear model to analyze the distribution law of the claims loss rate of China’s property insurance companies, and then analyze the minimum solvency quotas of China’s property insurance companies by using the ratio method to improve the credibility of the ratio method. The analysis shows that the solvency quotas of China’s property insurance companies should be classified and regulated.