Photo By Joshua Sortino On Unsplash

Yesterday, I go Beijing University stomatological hospital unplugged a wisdom tooth.

Reason of buccal of choice Beijing University has 3:

1.Private stomatological hospital is too expensive, a wisdom tooth should be spent 2500+ , and public hospital wants only 400 the left and right sides;

2.Beijing University stomatological hospital is one of hospitals of China's best public department of stomatology, beijing University oral cavity and China on the west the top level that oral cavity can represent department of stomatology of domestic public hospital basically;

3.I live in Beijing, do not calculate from Beijing University oral cavity too far.

We buy insurance, also be same argument actually. The first pace sees a product first how, sexual price is compared tall. Next what a lot of people should ask is:

XX person life this company how?

We tell today how to judge an insurance company to rely on not to rely on chart.

Solvency is led amply

Solvency, just as its name implies, it is Wu of repay a debt of insurance company countervail, compensate for namely / to the ability that pays guarantee slip duty.

Our insurance superintends a branch to be in charge of the solvency of insurance company for inspect, can be calculated according to a series of complex maths formula the lowermost capital requirement that gives an insurance company, ask insurance company makes sure actually border capital does not ask under this lowest capital.

The ratio of actual capital and lowermost capital, it is solvency leads amply:

The picture above is mixedder, so I help you translate adult word:

Be more than lowermost capital when the actual capital of an insurance company (namely solvency ＞ 100% ) when, this company is in the probability that closes down one year next under 0.5% .

The solvency when an insurance company under 100% when, superintendency branch can label it the key to superintend an object, and can adopt the following 10 kinds of measure:

(One) instruct increase capital gold, conduction reinsurance;

(2) restrict scope of business;

(3) limitation shares out bonus to partner;

(4) limitative fixed assets is purchased or running expenses dimensions;

(5) the form that limitative capital uses, scale;

(6) limitation adds a branch;

(7) order a sale bad assets, make over insurance Wu;

(8) the firewood fulfil level that restricts thing of trustee, inspect, senior administrator;

(9) limitative commerciality advertisement;

(10) instruct stop to accept new business.

Accordingly, want to know a company when us " how " when, the solvency that what should look above all is this insurance company is led amply.

So, if the solvency of an insurance company is very tall (exceed 500% for instance) , explain this company is very arrogant?

Actually may not, solvency leads the risk bulk that reacts is the insurance company on place of a time amply, very the insurance company that establishs much newlier just held water as a result of the company, portfolio is very small, the superintendency branch lowermost capital requirement to him is very so low, at that time the solvency of the company is met very tall.

Manage together, a few just finish add endowment insurance company, also can have the case of solvency on the high side.

The probability that these can show to this company goes broke now only is very small, as business begin, its solvency can begin to drop necessarily.

Want solvency to be more than only actually 100% and relative stability, do not appear to fluctuate greatly, this insurance company is reliable.

Conversely, if an insurer solvency all the year round prep above 200% , the product sex price that then we should suspect this domestic company is lower than be being compared...

SARMRA grading

Mention in front: Solvency reacts, it is the risk size of the insurance company on sometime dot.

What so solvency leads reaction amply is an insurance company now, perhaps go sometime nods " condition " , is not this company development " trend " .

If want to see the risk with a real insurance company control a standard, saw SARMRA give a mark with respect to need.

The full name of SARMRA is ability of solvency risk government is evaluated, its grading is released every year by the silver-colored meeting that keep watch, include 9 to evaluate a project, spend those who have perfect sex and validity to evaluate from 9 dimension, the risk that reflects an insurance company runs ability level.

If the SARMRA grading of an insurance company is inferior, so although it is current solvency amounts to mark, as business begin, solvency may no longer enough;

Conversely, if the SARMRA grading of an insurance company is taller, although he the risk is big now, we also believe him the risk is met in the future of decrescent, because his risk government ability is strong.

So, going up somehow, it is more important that SARMRA grading may compare solvency to be led amply.

In what the silver-colored meeting that keep watch releases SARMRA evaluated a result 2017 in the center, entire industry is all of insurance company notching on average is 75.02 minutes.

Accordingly, if a company notchs in 75 minutes of above, we can say, the industry of prep above of risk government ability of this company is average level.

How much is the company SARMRA grading that wants to know you are interested?

Will ask A Niu the robot ~

Niu Xiansen of the attention that sweep a code avoids hole guideline

Get insurance to avoid hole guideline

(of moo moo Da? ? ? ? ? ) ? ? ?