A Research on Solvency and Risk Management of Insurance Group under China Risk Oriented Solvency System

金融危机使人们将关注焦点转移到企业风险管理，同时也促进了国际金融监管改革，偿付能力监管成为了现代保险业的监管核心。随着保险经营风险规模在逐渐扩大，风险管理的难度也在增加，因此，保险业必须要加强风险管理，提高自身偿付能力。我国保监会在2012年启动偿二代监管体系的建设。保险集团的集团化和混业经营特点决定其不仅存在保险公司固有风险，还面临着特殊风险。因此，本文主要研究偿付能力监管及风险管理，介绍我国偿二代监管体系及其对风险管理要求，在此基础上进行偿二代制度下PA保险集团偿付能力及风险管理的案例研究，并对保险集团提升偿付能力加强风险管理提出改进建议。 本文首先运用规范研究方法对偿付能力监管研究以及...After the economic crisis, people have shifted their focus into enterprise risk management. Meanwhile the financial crisis has promoted the reform of international financial supervision, consequently solvency regulation has become the core of modern insurance regulation. With the rapid growth of risk scale that the insurance industry must assume, it is increasingly difficult to manage risk, which ...学位：会计硕士院系专业：管理学院_会计硕士学号：1752013115120