The Research On Solvency Of The ZH Property Insurance Company Which Is Based On The Gray Correlation Analysis Theory

Property insurance is defined as financial service industry which specially makes the subject matter of the contract to cover insurance and provides guarantee to the insurancer. Solvency which means the ability of a company to pay the debt. For the insurance companies which are engaged in the property risk, inability of the solvency could bring some adverse impact. They are not only harmful to the steady of the management order of the insurance and the harmony of the public, but also totally harmful to the banking bussiness .As a result,it also can bring in the surancers'doubts to the economic circumstances and further affect the sound development of the national economy. We must analyses the solvency risk of the property insurance company and improve the solvency of the domestic property insurance during the development of the insurance.The article is based on the related financial theory of the accounting and the insurance regulatory theory in order to approve that internal impact can have more influence than external impact,and some key index ,such as the reinsurance and the liquidity rate, can have great influence on the solvency.During the possess, the financial index and other various business index of the recent ZH property insurance company would be analysed,and at the meantime the three external impact and secen internal impact which typically affect the solvency would be analysed and related quantizely.The condition of the ZH property insurance company which is lack of the capital, less drawing of the reseves and unreansonable using of the premium could seriously restrict the solvency. The article gives some suggestions on complementing the capital,reasonablely drawing the reserves.enchancing the analysis of the fiannce,and specializing the management of the capital utilization in order to improve the solvency. The deep-rooted issues which are reflected by the key influecial impact of the solvency of the ZH property insurance company generally exist in the most domestic property insurance companies.These issues commonly exist in the domestic property insurance market,so the suggestions mentioned above are worthy to the other property insurance companies.