论文部分内容阅读
保险公司信用评级是指独立的社会信用评级机构,采用一定的评级方法,对保险公司财务能力和经营稳定能力的评价,并用一定的符号予以表示,一般分为财务能力评级(financial strength rating)和债务评级(debt rating)两类。前者重点衡量的是保险人履行对保单持有人保险责任的能力；后者重点衡量的是保险人对于某个特定债务的信誉度。保险公司评级的影响因素主要包括行业风险、商业评论、管理和公司策略、经营业绩、投资、资产负债管理和流动性、资本化、准备金以及融资灵活性和再保险等方面。
Insurance company credit rating refers to an independent social credit rating agencies, using a certain rating method, the financial capacity of the insurance company and management of the stability of the assessment, and use a certain symbol to be expressed, generally divided into the financial ability rating (financial strength rating) and Two types of debt rating. The former focuses on the ability of the insurer to fulfill its insurance policyholders’ responsibility for insurance; the latter focuses on the insurer’s creditworthiness over a particular debt. Factors influencing insurance company ratings include industry risk, business commentary, management and corporate strategy, business performance, investment, asset and liability management and liquidity, capitalization, reserves and financing flexibility and reinsurance.