China A Insurance (Group) Optimization Of Limited By Share Solvency Management

At present, with the trend of world financial integration has been continuouslystrengthened, China’s insurance industry is also showing a group of development trend. Thispaper introduces the basic situation of A insurance group, tells the story of the development infinancial market, the innovation of financial products emerge in an endless stream, theinsurance market competition is becoming increasingly fierce, product prices continued todecline, solvency and capital adequacy is the survival and development of guarantee. In thispaper, combined with the financial and actuarial data A insurance group in2011to2013,analyzes A insurance group management, on solvency in this stage of the assessment and earlywarning system. Details of this system in the existing defects and subsequent developmentadvantage. Put forward to build the measurement method based on economic capital based onthe internal solvency, this method from the internal risk management point of view, select theeconomic capital as capital allocation, in the measurement of actual capital of an insurancecompany, this paper discusses the selection of measurement method, with more can reflectmarket expectations of the fair value of assets and liabilities the project, it can not only reflectthe balance of cash, reset price, also can be the actual reaction of insurance enterprises moreobjective solvency. At the same time, this paper also describes in detail the A insurance groupcurrent five cost management measures, designed to divide cost scientific, accurate, clearlypresented constitute A insurance group the cost rate, the formation of a special solvencymanagement with report, more clear, intuitive reflect the A insurance group, resourceallocation and the capital operation efficiency.The research shows that, through a series of such as the measurement of economic capital,specialized expansion of channels for the use of funds and improve the internal controlmanagement optimization measures, A insurance group can be more objective, prudentmeasure of capital adequacy, in strengthening the risk management and improve efficiency inthe use of funds, the pioneering and innovative, strong execution, create enterprise with thevalue of scientific and effective management tool.