CAJ | 학술논문

目前欧盟所采取的保险监管模式为偿付能力Ⅰ，在其框架下，偿付能力资本需求根据业务的内容和类型来决定最低资本和偿付能力资本要求之间的最大值。然而随着现在经济条件的变化，新的风险类型不断涌出，偿付能力Ⅰ已经不具有足够敏感的风险灵敏度，也无法掌控或是正确定位新的不断发展的风险。因此，一个在理论上和体系上更加完备而复杂的偿付能力Ⅱ应运而生。偿付能力Ⅱ的目的是在所有商业类型下制定一个持续的偿付能力框架，该框架将考虑到风险管理的质量和风险评估系统的准确性。偿付能力Ⅱ更为成熟精确且可以为我国保险偿付能力监管所借鉴。
목전구맹소채취적보험감관모식위상부능력Ⅰ，재기광가하，상부능력자본수구근거업무적내용화류형래결정최저자본화상부능력자본요구지간적최대치。연이수착현재경제조건적변화，신적풍험류형불단용출，상부능력Ⅰ이경불구유족구민감적풍험령민도，야무법장공혹시정학정위신적불단발전적풍험。인차，일개재이론상화체계상경가완비이복잡적상부능력Ⅱ응운이생。상부능력Ⅱ적목적시재소유상업류형하제정일개지속적상부능력광가，해광가장고필도풍험관리적질량화풍험평고계통적준학성。상부능력Ⅱ경위성숙정학차가이위아국보험상부능력감관소차감。
The European Union has apply the solvency Ⅰat the present , under its framework , solvency capital requirement is according to the content and type of business to determine the maximum between the minimal capital and solvency capital requirement.While with the changing of economic condition and many new types of risk rush out, solvency Ⅰneither have enough risk sensitive nor control the new developing risks.Therefore, a more com-plete in terms of theory and system-solvencyⅡarise at the historic moment.The purpose of solvency Ⅱis to make a continuous solvency framework under all business types , this framework will considering all quality risk manage-ment and the accuracy of risk assessment system.solvency Ⅱis more mature and precise and can be reference for China ’ s insurance solvency regulation.