Foreign insurance regulatory approach to the solvency of China's insurance supervision of the Enlightenment

Solvency supervision is the core of insurance supervision, solvency only through the effective regulation of the insurance business can achieve the stability and the protection of the interests of policyholders. Insurance regulators major developed countries by providing capital adequacy requirements, the establishment of solvency early warning systems and on-site inspection of the solvency of insurance companies to monitor. Regulatory standards be established on the insurance companies on the basis of risk assessment, the establishment of a risk-oriented monitoring the solvency of insurance supervision has become a trend. At present, China's insurance regulatory bodies monitoring the solvency of insurance companies from micro "provisions of the rate regulation" to macro "solvency supervision." To improve the solvency of China's insurance industry regulation, supervision of insurance companies to be flexible use of funds, improve asset evaluation methods with a variety of methods to reduce the regulatory recognition errors cost the establishment of dynamic capital adequacy ratio test; emphasis on the foreign insurance companies Regulation; perfect laws and regulations.