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2008年金融风暴中,AIG集团因投资严重亏损导致偿付能力危机。国内保险监管机构及时吸取国外经验教训,在2009年修订的保险法第一百三十九条规定,对偿付能力不足的保险公司,国务院保险监督管理机构应当将其列为重点监管对象,并可以根据具体情况限制保险资金运用的形式和比例。保险投资与偿付能力二者的关系开始受到越来越多的关注。本文在介绍分析二者基本关系的基础上,提出对偿付能力管理的建议。
In the financial turmoil of 2008, the AIG Group caused a solvency crisis because of a heavy investment loss. The domestic insurance regulatory authorities learn from foreign experiences and lessons learned in a timely manner. Article 139 of the Insurance Law revised in 2009 stipulates that insurance companies with insufficient solvency and insurance regulatory agencies under the State Council should be listed as the key regulatory targets and can be regulated according to Specific circumstances limit the use of insurance funds in the form and proportion. The relationship between insurance investment and solvency began to receive more and more attention. Based on the introduction and analysis of the basic relationship between the two, this paper puts forward some suggestions on solvency management.