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一、中国寿险公司偿付能力现状分析截止到2005年底,我国保险业整体偿付能力充足率仅为67.31%,也就是说整个保险业的偿付能力充足率缺口为32.69%,我国寿险公司普遍存在偿付能力不足现象,造成偿付能力不足既有整个金融系统的因素也有保险公司自身的经营失误。(一)偿付能力不足,将给寿险公司带来一系列的影响。影响市场的开拓。中国保监会给太平洋人寿及新华人寿偿付能力不足整改通知明确规定,在达到偿付能力规定
First, analysis of the status quo of China’s life insurance company solvency As of the end of 2005, China’s insurance industry as a whole solvency adequacy ratio was only 67.31%, which means that the insurance industry solvency margin of 32.69%, China’s life insurance companies generally solvency Inadequate phenomenon, resulting in insufficient solvency Both the financial system as a whole also have insurers own business mistakes. (A) Insufficient solvency will bring a series of impacts to life insurance companies. Affect the development of the market. China Insurance Regulatory Commission to Pacific Life Insurance and Xinhua Life Insurance to pay insufficient rectification notice clearly stipulates that in order to meet the solvency requirements