论保险业的风险防范()分析报告.docVIP

论保险业的风险防范On the Risk of Insurance 2012年 月日提出了个人的看法，并了风险防范是保险业发展安全底线保险业；风险；风险防范Abstract Insurance in the continuous development of the process also exposes the hidden dangers of risk prevention issues. Although Chinas insurance regulatory and risk prevention capabilities continue to increase, and establish a sound market behavior, solvency and corporate governance pillar of modern insurance regulatory system, to discover and resolve the symptoms of the insurance industry in the road ahead, defuse and control some stock risk and incremental risk. However, the late start of Chinas insurance industry is still in the early stages of development, the risks faced by an increasing number. Strengthen insurance supervision, to prevent and reduce risk is still of the important issues need to push forward the reform and development of the insurance industry.This article focuses on the risk faced by the insurance industry and guard against and defuse method around the risk faced by the insurance industry to prevent and resolve the problem analysis and personal opinion, and predict the risks can be effectively prevent play positive role. This article is the topic of the use of standardized research methodology. The text is divided into three parts: the first part of the risk profile of the insurance industry, the second part describes the risk of the insurance industry to prevent and defuse finally arrive at this conclusion, namely: risk prevention is the bottom line of the development of the insurance industry safety. Key words: Insurance; risk; risk prevention; regulatory 引 论 1 一、保险业的风险简介 1 （一）、中国保险业面临的宏观经济环境 1 （二）、中国保险业面临的主要风险及特点 1 二、保险业的风险的防范和化解 5 （一）防范化解保险风险归根到底要达到两个目的 5 （二）加强风险监管，构建保险业风险防范体系 5 （三）保险业的风险的化解 8 （四）保险业风险防范实效 9 三．保险监管部门： 9 四、结论 9 致 谢 10 参考文献 11 引 论 改革开放以来，我国保险监管和风险防范能力不断增强，建立健全了以市场行为、偿付能力和公司治理为支柱的现代保险监管体系，建立了以公司内控为基础、以偿付能力监管为核心、以现场检查为重要手段、以资金运用监管为关键环节、以保险保障基金为屏障的防范风险的五道防线，建立了市场化的风险自救机制，并率先在金融行业建立了保险保障基金制度，发现和解决了保险业前进道路中的苗头性问题，化解和控制了一些存量风险和增量风险。但是，我国保险业起步较