| The solvency of the insurance company refers to the ability to repay expiry debt, which embodies the relationship between assets and liabilities of company. Although the regulatory of solvency have been determined to the core of insurance supervision by many countries in the world, the cases of failure and bankruptcy of insurance company still occur one by one. Based on the actual situation of foreign solvency supervision system of insurance, this paper discusses how to strengthen the solvency of the insurance company and improve level of supervision of life insurance company, whose purpose lies in exploring the fair competition methods of life insurance market.Firstly, from the angle of the domestic and foreign, the current situation of insurance solvency supervision has been studied, and the background of the subjects, the significance and methods of the research also has been illustrated.Secondly, the relevant theories of insurance solvency supervision study are reviewed from three aspects, the relevant theory of insurance solvency, solvency supervision, and the principle of solvency supervision. It includes the solvency of the concept, content and the influence factors, and the solvency supervision of the concept, purposes, contents and forms, and the principle of solvency supervision.Thirdly, the advanced experience and bitter lesson of developed countries about solvency supervision are summed up. This paper analyzed the "North type" and "British type" from the perspective of regulators and concrete measures,and then draw the conclusion of improvement China's insurance supervision system. In addition, the important reasons of large-scale insurance company's going bankrupt in Japan lie in excessive protection from government.Fourthly, this paper analyzed the current situation and existing problems of China's solvency supervision of insurance from the regulatory contents, means and indicators, including: the dependency of administrative supervision, non-perfect reinsurance market, and etc.Finally, this paper designed the scheme of China's solvency supervision of life insurance, including: strengthen supervisory information system construction, life insurance fund operation regulation, and improve solvency regulatory index system, etc. |
