摘要
笔者基于我国16家代表性保险公司2005—2012年的财务数据,根据中国保监会颁布的计算方法对其偿付能力充足率进行了测算和比较;进而运用面板数据分析法,对影响我国保险公司偿付能力充足率的因素进行了分析。结果发现:近年来,我国保险公司偿付能力总体呈现逐年改善的态势;对保险公司偿付能力充足率影响因素的检验则表明:寿险公司和大型公司受资本金和投资收益的影响比较明显,财险公司和中资公司主要会受到资本金、再保险程度、赔付程度以及成本率的影响,中小型公司还会受到经营效率的影响,外资保险公司则主要受到资本金和再保险程度的影响。
We choose 16 typical insurers, then estimate and compare their solvency margin ratios. The results show that the solvency is better than before. Then we use the panel data model to study the influence factors of solvency margin ratio in different insurers, The empirical results show that there are several differences. The life insurers and large insurers are mainly influenced by the capital and investment, the property insurers and Chinese-funded insurers are mainly influenced by the capital, reinsurance, payment and cost, the small insurers are also influenced by the operating efficiency, and the foreign insurers are mainly influenced by the capital and reinsurance.
出处
《中央财经大学学报》
CSSCI
北大核心
2014年第9期36-41,54,共7页
Journal of Central University of Finance & Economics
基金
中国保险学会基金项目"我国寿险需求的增长路径分析--基于国际比较的视角"(项目号jiaobao2013-11)
江苏省哲学社会科学基金重点项目"破解江苏科技型企业融资难问题研究"(项目号:13EYA001)
江苏省教育厅重点项目"江苏民间金融风险形成
传染和治理机制研究"(项目号:2013ZDIXM013)
