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加入WTO后 ,中资保险公司因偿付能力不足 ,难以跟上我国整体保险市场的发展速度。通过增加资本金和增大分出业务规模来提高偿付能力的传统模式存在局限性 ,通过更大的资本市场扩大其偿付能力具有必要性和紧迫性。为此 ,中资保险公司要在保证最低自有资本金的基础上 ,利用保险风险证券化产品和巨灾损失补充资本金准备的资本市场新产品 ,动态地补充保单持有者盈余 ,或者动态地减少超额的承保损失 ,减低提高偿付能力的成本 ,从而达到提高保险公司承保竞争能力的目的。
After joining the WTO, the Chinese insurance companies are unable to keep up with the development speed of China’s overall insurance market because of their insufficient solvency. The traditional model of solvency by raising capital and increasing the size of the business of separation has its limitations and the necessity and urgency of expanding its solvency through a larger capital market. To this end, Chinese-funded insurance companies must make use of insurance risk securitization products and new capital market products prepared with catastrophic loss replenishment of capital to dynamically supplement policyholder surpluses or dynamically To reduce the excess underwriting losses, reduce the cost of improving solvency, so as to achieve the purpose of enhancing insurance companies underwriting competitiveness.