Research On The Solvency Risk Controlof RM Insurance Company

In recent years,China’s insurance market has experienced vigorous development and is one of the fastest growing insurance markets in the world.Although the scale of China’s insurance market is growing rapidly,it is still in the primary stage of development,and the insurance depth and insurance density are still at a low level compared with developed countries.Today,China’s insurance industry is the world’s second largest insurance market with 3.08 trillion yuan of premiums and 18 trillion yuan of total assets.And from the “quality”,whether it is insurance depth,insurance density,or the business structure of the insurance market,market environment,China’s insurance industry has a lot of room for development.It still needs unremitting efforts to succeed from insurance country to insurance country.However,with the rapid development of the insurance industry,the market environment lacks of efficiency and fairness,which also puts forward high requirements for the risk management of insurance companies.This paper is divided into five chapters,using the fuzzy comprehensive evaluation method to study the solvency risk of RM insurance companies.The first chapter is the introduction,which mainly expounds the background,significance,domestic and foreign research status,research methods and contents of the thesis.The second chapter mainly introduces the theory of solvency risk.Chapter three analyzes the solvency status and main risks of RM insurance company.The fourth chapter mainly design and analysis of solvency risk evaluation system,and risk evaluation based on fuzzy comprehensive evaluation method,get the following conclusion: RM the overall risk of insurance company belongs to the medium level,but the policy risk,operational risk,market risk,economic risk,investment risk,the risk of financial risk score is higher;Chapter 5 provides measures for RM insurance companies to strengthen solvency risk control based on the above analysis results.However,the operating costs of insurance companies are backward,so the solvency risk management is an important part of the company’s risk management.In addition,with the gradual implementation of the second generation of compensation supervision system,insurance companies must establish a sound solvency risk management system,so the identification,analysis and control of solvency risk has become the top priority in the risk management of insurance companies.