1. Correct two misunderstandings:
1) is the solvency adequacy ratio, not the ratio of total assets to total liabilities of insurance companies;
2) Different countries and regions have different requirements for solvency, and the solvency adequacy ratio cannot be directly compared.
2. Why should solvency supervision be carried out? In view of the fact that the operating performance of insurance companies may fluctuate, which may lead to problems in the insurance liability payment of customers, supervision requires insurance companies to prepare at least one fund as a safety mat in addition to adequate funds for future insurance liability payment.
3. What is the solvency adequacy ratio? The minimum value of the safety mat required by supervision is called the minimum capital, and the safety mat actually prepared by the insurance company is called the actual capital. The ratio of actual capital to minimum capital is solvency adequacy ratio.
solvency
1, solvency is a dynamic indicator to measure whether an insurance company has the ability to repay debts.
2. These two indicators are: core solvency adequacy ratio: the ratio of core capital to minimum capital, which measures the adequacy of high-quality capital of insurance companies. Comprehensive solvency adequacy ratio: the ratio of actual capital to minimum capital, which measures the overall adequacy ratio of insurance companies. Simply put, it is used to measure whether the insurance company has enough money to pay.
3. The higher the general solvency adequacy ratio, the smaller the risk of the insurance company. However, there is no need to excessively pursue high solvency adequacy ratio, because it will fluctuate with the operating conditions of insurance companies. As long as the core reimbursement ratio >; 50%, and the comprehensive solvency adequacy ratio >; 100%, even if the solvency is up to standard.
4. But in operation, bank insurance supervision is usually stricter. If the solvency is lower than 150%, the insurance company will receive "special attention", such as being invited to "talk" and "write a review".
5. As a risk management industry, the insurance industry faces certain pressures in related business fields, but it also faces new opportunities by virtue of its professional ability to cope with risks and its special advantages in providing safeguard products.