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偿付能力监管是保险监管工作的重点。加强保险公司基层分支机构偿付能力监管,确保数据真实可靠,内控严密有效,是完善偿付能力监管体系的重要保证。偿付能力监管系统主要包括现场监管、非现场监管、资金运用监管和内部控制监管。影响保险公司分支机构偿付能力的主要因素有业务异常波动、经营管理不善、欺诈误导、内控制度执行不力、数据不真实。加强保险公司分支机构偿付能力监管,应以《保险公司偿付能力额度及监管指标管理规定》为依据,以数据真实性和内控制度建设为核心,以现场检查和非现场监管为手段,运用有效措施,促使分支机构加强内部管理、提高防御风险能力、保持可持续健康发展,为整体的偿付能力监管打好基础。
Solvency regulation is the focus of insurance regulation. It is an important guarantee to improve the solvency regulation system to strengthen the supervision over the solvency of insurance subsidiaries at the grassroots level to ensure the data is true and reliable and the internal control is effective. Solvency monitoring system mainly includes on-site supervision, off-site supervision, supervision of funds utilization and supervision of internal control. The main factors affecting the solvency of branches of insurance companies include abnormal business fluctuations, mismanagement and fraud, mismanagement of internal control systems, and imprecise data. Strengthening the supervision of the solvency of branches of insurance companies should be based on the “Regulations on the Solvency of Insurance Companies and the Administration of Regulatory Targets”, taking the construction of data authenticity and internal control as the core, on-site inspection and off-site supervision as the means and effective measures , To encourage branches to strengthen internal management, improve their ability to defend risks, maintain a sustainable and healthy development, and lay a solid foundation for overall solvency regulation.