首页 > 资料专栏 > 保险 > 保险经营 > 保险综合 > MBA毕业论文_再保险公司在华分公司偿付能力及管理对策的研究-基于偿二代_制度PDF

MBA毕业论文_再保险公司在华分公司偿付能力及管理对策的研究-基于偿二代_制度PDF

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文本描述
再保险是保险公司分散风险、转移超出自我承保能力的风险的重要途径之一。当 保险公司承保业务后,按照其自身合理风险承受能力的大小以及公司战略安排,将部 分所承担的风险转嫁给其他保险公司或者再保险公司,以确保自身保险经营的稳定 性。 再保险公司是主营风险负债,其偿付能力一旦出现问题,不但会影响公司自身的 正常运营,同时也会影响社会稳定以及整个保险行业的健康发展。自2016年起,偿 付能力管理第二代体系(以下简称“偿二代”)在我们国家全面实施,提升了我国保 险业风险度量科学性水平和风险管理有效性水平。 本论文以R再保险公司中国分公司为例,通过应用实证分析等方法讨论影响R 再保险公司中国分公司偿付能力的要素。并在其中选择三个不同维度的风险要素,运 用风险资本等相关理论,归纳总结各自对R再保险公司中国分公司偿付能力的影响 程度及成因,最终探索制定有效地优化策略,提高R再保险公司中国分公司偿付能 力水平。据此,通过提高实际资本结构、加强信用风险管理以及控制风险管理能力, 可以改善外资再保险公司偿付能力。鉴于在中国“偿二代”制度下,业内尚无外资再 保险公司在华分公司的偿付能力影响因素研究,本文望对外资再保险公司在华分公司 的偿付能力及管理对策提供实践参考,同时评估度量风险管理及资本结构研究作增量 贡献。 关键词:再保险公司;偿付能力;风险资本;风险管理 III Abstract Reinsurance is one of the important means by which the insurer disperses the risk and transfers the risk beyond its own underwriting capacity. When the insurer underwrites the business, according to the size of its own risk bearing capacity and its own strategic arrangement of the company, will assume part of the risk to other insurance companies or reinsurance companies, in order to ensure the stability of its insurance business. As a liability operating enterprise, if problems arise in the solvency of reinsurance companies, they will not only affect the normal operation of the company, but also have a very bad impact on social stability and the healthy development of the insurance industry. Since 2016, the second generation of solvency management system (hereinafter referred to as "C-ROSS") has been fully implemented in China, which has improved the scientific risk measurement and the effectiveness of risk management in China's insurance industry. Taking R Reinsurance Company's China branch as an example, this paper analyzes the factors affecting the solvency of R Reinsurance Company's China branch by applying management methodology. In addition, three risk factors of different dimensions are selected and relevant theoretical models of capital are used to summarize the degree and causes of their influence on the solvency, and finally an effective optimization strategy is explored to improve the solvency of R Reinsurance Company's China branch. Accordingly, the solvency of foreign reinsurance companies can be improved by improving the admitted capital structure, strengthening credit risk management, and control risk management capabilities. As there is no research on influencing factors of solvency of foreign reinsurance companies in China under C-ROSS system, this article hopes to provide a practical reference and evaluate solvency and management strategies of foreign reinsurance companies in China. It also makes incremental contribution to the evaluation and measurement of risk management and capital structure research. Keywords: Reinsurance Company; Solvency; Risk Capital; Risk Management 目录 致谢 ........................................................................................................................................ I 摘要 ...................................................................................................................................... II Abstract ................................................................................................................................ III 第1章 绪论 ......................................................................................................................... 1 1.1研究背景及意义 ......................................................................................................... 1 1.1.1研究背景 .............................................................................................................. 1 1.1.2研究意义 .............................................................................................................. 2 1.2国内外研究现状 ......................................................................................................... 2 1.2.1国外研究现状 ...................................................................................................... 2 1.2.2国内研究现状 ...................................................................................................... 3 1.2.3国内外研究现状评述 .......................................................................................... 5 1.3理论基础与概述 ......................................................................................................... 6 1.3.1理论基础 .............................................................................................................. 6 1.3.2相关概念 .............................................................................................................. 8 1.3.3监管制度背景 ...................................................................................................... 9 1.4研究内容及研究方法 ............................................................................................... 15 1.4.1研究内容 ............................................................................................................ 15 1.4.2研究问题 ............................................................................................................ 16 1.4.3研究方法 ............................................................................................................ 16 1.5可能的创新点 ........................................................................................................... 17 第2章 R再保险公司中国分公司偿付能力现状分析 .................................................... 18 2.1R再保险公司中国分公司概况 ................................................................................. 18 2.1.1公司简介 ............................................................................................................ 18 2.1.2公司组织架构 .................................................................................................... 18 2.1.3公司财务数据概要 ............................................................................................ 19 2.2R再保险中国分公司环境分析——PEST分析模型 .............................................. 20 2.2.1政治环境因素 .................................................................................................... 21 2.2.2经济环境因素 .................................................................................................... 22 2.2.3社会环境因素 .................................................................................................... 23 2.2.4科技环境因素 .................................................................................................... 23 2.3R再保险公司中国分公司优劣势分析——SWOT分析 ........................................ 24 2.3.1优势分析 ............................................................................................................ 25 2.3.2劣势分析 ............................................................................................................ 25 2.3.3机会分析 ............................................................................................................ 26 2.3.4威胁分析 ............................................................................................................ 27 第3章 实证研究与成因分析 ........................................................................................... 28 3.1研究设计与分析 ....................................................................................................... 28 3.1.1样本选取与数据来源 ........................................................................................ 28 3.1.2变量设