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寿险业具有诸多区别于非寿险的行业特征,其定额给付性质以及保险期限的长期性都决定了寿险业的发展应该看的更加长远:怎样维持长久的良好绩效?如何在公司规模扩大、保费迅速增长所产生的负债增加的情势下又能保证偿付能力的充足性?公司的经营管理成为至关重要的一环。对于以上问题,笔者从全面预算的角度出发,结合偿付能力管理进行战略分析,旨在分析这两者的兼容性,进行偿付能力预算设置,从而加强偿付能力的事前监管,达到防范风险,保证偿付能力充足性,促成寿险业的长足发展的目的。
The life insurance industry has many characteristics different from the non-life insurance industry. The nature of the fixed-rate payment and the long-term insurance period all determine the long-term development of the life insurance industry. How to maintain long-term good performance? How to maintain the long-term good performance? The growth of the liabilities arising from the increase in the circumstances and can guarantee the adequacy of solvency? The company’s management has become a crucial part. For the above problems, the author from a comprehensive budget perspective, combined with solvency management strategy analysis, aimed at analyzing the compatibility of these two, the solvency budget setting, so as to enhance the solvency of the pre-regulation, to prevent risks and ensure reimbursement Adequate capacity to promote the rapid development of life insurance industry purposes.