以风险度量为基础确定偿付能力最低资本标准正成为国际保险业偿付能力监管的趋势。本文以我国财产保险公司的经验数据为基础,通过对财产保险公司面临的保险风险进行度量,确定对应的偿付能力最低资本标准,并对我国建立以风险度量为基础的偿付能力最低资本标准面临的挑战进行分析。 Determining the Solvency as a Basis of Risk Measurement The minimum capital standard is becoming a trend in regulation of the solvency of the international insurance industry. Based on the empirical data of China’s property insurance companies, this paper measures the insurance risk faced by property insurance companies to determine the minimum capital standard of solvency, and establishes the minimum capital standard of solvency based on risk measurement in our country Challenges for analysis.