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我国保险业已建立起包括偿付能力额度、公司治理、市场行为三方面监管的“三支柱”监管框架体系。在当前流动性过剩的经营环境下,这三个方面相辅相成,共同达成防范保险公司偿付能力风险的目的。在此过程中,要不断完善偿付能力监管标准、偿付能力监管的会计制度和信息披露制度,加强对公司治理状况的监管,为费率自由化做好必要的准备。
China’s insurance industry has established a “three pillars” regulatory framework that covers the three aspects of solvency quota, corporate governance and market behavior. Under the current operating environment with excess liquidity, these three aspects complement each other and work together to achieve the objective of preventing the solvency risk of insurance companies. In this process, we must constantly improve the solvency regulation standards, the solvency regulation of the accounting system and information disclosure system, strengthen the supervision of the state of corporate governance, make the necessary preparations for tariff liberalization.