Do you know, insurance company owes the client's money, company of 82 life insurance repays ability

Full text 2863 words, recommend read 9 minutes

Introduction: Measure insurance company after all with what insecure, solvency is the mainest index.

Solvency is the ability that points to Wu of repay a debt of countervail of an insurance company, the most debt that you may not know to insurance company is owed does not owe a bank, of the client that owes it however.

What article artisan gentleman introduces after all with a the simplest story is solvency, and attach is newest release 1 quarter ran person insurance 82 times 2019 the solvency rank of the insurance company of Wu.

Article cent is the following two parts:

Meet according to keeping watch formerly (show Bank of China and insurance to control administrative committee, abbreviation silver protects inspect to meet) released 2008 " insurer solvency superintends a regulation " (the meeting that keep watch makes [2008]1 sign language) the definition in the center, the solvency of insurance company is to point to: "The ability of Wu of repay a debt of insurance company countervail "

So whose debt does insurance company owe? The most debt that it owes does not owe a bank, of the client that owes it however.

Tell a conte you understood.

Part1 establishs a company

Two individual decisions establish an insurance company as partner investment, assume this company sells a year only period fixed birthday danger this kind of product.

This is the simplest insurance product, contract agreement: Insurant dies because of any reasons no matter inside 1 year, the money of beneficiary beneficiary brushstroke that insurance company can recoup him appoint (insurance amount, abbreviation keeps the specified number) . Decisions of 100 thousand 30 years old of males are cast to this company protect, protect the forehead to be 10 thousand yuan.

Client hope: The flower is less than 10 thousand yuan cost far, obtain 10 thousand yuan safeguard, in case unfortunate die teachs cost to his child stationary point.

Insurance company hope: While to this 100 thousand clients provide this kind of safeguard, oneself are returned can gain.

The carrier of safeguard is insurance product, always the product has the price, this product should receive how many fund, does ability satisfy client and the interest that the company hopes at the same time?

Part2 begins to design a product

Essence of life calculates division to take out the lifecycle list that superintendency branch releases, following:

Explain according to big data experience, mortality of every 1000 people is 30 years old of males 1.73 people. That is to say among 100 thousand person the number that will die inside 1 year is 173 people.

Will compensate is to the client's money:

173 people × 10 thousand yuan of =173 10 thousand

This is insurance company a year hind must the money that compensate gives a client.

The company needs gain, suppose in all collection client 2.2 million (every client receives be bailed out to expend 2.2 million ÷ 1000 people =2200 yuan)

Look from client angle: The flower obtains 10 thousand yuan of safeguard 2200 yuan, realized venture move.

Look from company point of view: Collection 2.2 million insurance cost while, owed a client 1.73 million.

Reserve of Part3 obligate responsibility: Assure the first pace that the company won't go broke

Although collection 2.2 million yuan, but these income that are not a company completely. Won't not have client money because of compensate to assure insurance company according to superintendency regulation and go bankrupt, among them 1.73 million must stay on company Zhang to must not be employed, the manage compensate that is future technically ready-made.

So although this money stays on company Zhang, but the income that is not a company is in debt however.

This 1.73 million call responsibility reserve.

Part4 prepares enough capital gold: Assure the 2nd pace that the company won't go broke

1.73 million what owe a client, come out according to experience data computation, but real situation may be even worse than what predict.

For instance: Produce large-scale epidemic situation natural perhaps disaster, dead number may be more than 173 people, responsibility reserve is insufficient compensate, insurance company is faced with possibly go bankrupt. The way with this only time is two partner take money to come out to answer manage compensate.

Superintend a requirement so, the partner of insurance company must take out brushstroke money, put over, answer the compensation that future may appear, this money calls capital gold.

The guarantee slip that autograph of a company makes an appointment with is more, the money that owes a client is more, assumed risk is bigger. Superintend the risk size that the branch can assume according to each company so, how much is will decide it should hold some capital gold the least, this calls lowest capital. This amount every company is different.

An any insurance company are in register gold of capital of brushstroke of turn over to the higher authorities needs when holding water, be called register capital gold.

Part5 solvency is led amply

Insurance company holds some capital gold actually, the ratio of the lowermost capital gold with superintendency requirement is solvency is led amply.

Solvency leads = actual capital amply / lowermost capital

Say popularly, the several times ability that the actual capital of insurance company must be superintendency requirement goes.

Part6 thinks method makes money

When insurance company obligate enough responsibility reserve, hold enough capital gold, begin to think method made money.

The main profit origin of insurance company is not the money that pure support earns a risk to transfer, however yield.

2.2 million - 1.73 million =47 10 thousand

This 470 thousand it is to be able to serve as profit to allocate, also can take out make investment, control by insurance company proper motion.

Part7 brief summary

Actually, many the computational way that solvency leads amply is more complex than wanting among this story. The silver-colored meeting that keep watch has 17 files standard the computation of each insurer solvency and exposure, this is " insurer solvency superintends regulation " (1-17 date)

The article is a basis these portion files simplify to calculating what the process does, meaning showing among them sense to you. Want the more detailed computation way that knows solvency, can click " the solvency that what is insurance company is led amply " one article.

Every quarter can show each insurance company oneself solvency report, the silver-colored meeting that keep watch is the company component of different solvency 3 kinds:

(one) be not worth kind of company, show solvency is led amply under the insurance company of 100% ;

(2) enough I kind company, show enough rate is in solvency 100% to the 150% insurance company between;

(3) enough II kind company, show solvency leads prep above amply the insurance company of 150% .

To solvency under the inadequacy of 100% kind company, the partner that the superintendency with the silver-colored the directest meeting that keep watch can be requirement insurance company increases capital gold, till liquidate can accord with a requirement.

The most severe superintendency can be to stop company board of directors directly the right of administration to the company, take-over directly by the silver-colored meeting that keep watch.

Basis " insurer solvency superintends a regulation " inspect different situation to be able to implement 9 superintendency measure, following:

(one) instruct increase capital gold to perhaps be restricted share out bonus to partner; (2) the firewood fulfil level that restricts trustee, senior administrator and on-the-job consumption level; (3) limitative commerciality advertisement; (4) limitation adds branch, restriction scope of business, instruct stop to develop new business, instruct make over insurance Wu to perhaps instruct conduction cent to give professional work; (5) instruct sale assets to perhaps restrict fixed assets to purchase; (6) limitative capital uses channel; (7) adjust chief to reach concerned administrator; (8) take-over; (9) China protects inspect to be able to think necessary other superintendency measure. 

Anyhow, in the solvency that our country carries out at present the 2nd generation superintends a system (abbreviation " countervail 2 generation " ) below, if enough rate achieves the solvency of domestic company or exceed 100% , be in on behalf of this company the possibility that goes bankrupt in a year next under 0.5% . Go bankrupt basically impossibly namely.

Had shown 82 companies of the report 19 years first quarter, only the solvency of life of a Sino-French person is not worth those who be faced with superintendency branch severity badly to superintend measure.

Normally for the professional work that at the beginning of a company just held water, begins is little, capital gold is enough, solvency is met very tall, but the guarantee slip that answers as the autograph is increasing, the money that owes a client is increasing also, solvency can drop. If do not undertake adding however under 100% partner endowment promotion solvency, superintendency branch can make stop it to develop the right of new business.

Sheet of a list of names posted up ranks first life of 3 gorge person, held water in December 2017, register capital gold 1 billion yuan, between insurance company body is measured very small have superhigh solvency however, the portfolio that since showing it more than one year, develops is not large. Solvency wants to exceed 100% to accord with superintendency requirement to be able to assure safety only when choosing insurance company.

Take procuratorial channel to be compared with Internet channel for. The cost cost that promotion of procuratorial channel product sells is the cost that compares Internet channel want tall much.

If you bought the product of some company, the solvency of this company was dropped 100% the following, the increase that because still the 10 big safe mechanisms that establish from superintendency level and legal level ensure a client,also does not need concern does not get loss, click " insurance company 10 big safe mechanisms " one article understands in detail

For instance, in a few companies that did not show solvency data, risk group division issues the life of the person that bring country, provide for the aged that bring country and harmonious and healthy congeneric An Bangbao.

The condition that group of the insurance that bring country lies to be take-overed by the silver-colored meeting that keep watch. According to protecting inspect announcement 〔 2018 〕 take-over 5 numbers period to Feburary 22, 2020, the board of directors suspends fulfilling obligation during, the information exposure such as solvency all defers, but the guarantee slip of this company still can get normal compensate pays.

Solvency leads the main index that is insurance company security amply, the insurance company of great majority undertakes the management of oneself strictly also according to superintendency requirement.

Undertake the guarantee slip that accords with contract agreement managing compensate is the responsibility with the most primary insurance company, also be consumer is the basiccest appeal to beg. To assure this one responsibility can of 100% undertake, the solvency of insurance company must be superintended at the rigor of superintendency branch under.

What at present our country executes is the whole world is the bannerest " countervail 2 generation " superintendency system, the Bank of China is sure to supervise administrative committee to carry out close, effective superintendency to financial system, it is to invite each insurance customer the guarantee slip in the hand can safe, significant cash.

Greeting! China superintends a system.

Dot " looking " precede for the whole world " countervail 2 generation " dot assist!

1, how is cost of social security endowment insurance handed in, see this your HR than your company can make wage

2, endowment insurance of urban and rural dweller: 12 archives standard is optional standard, the government has allowance. Was your ginseng protected?

3, how does the net assets of insurance company come? Company of 80 life insurance who is the richest?

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