我国人身保险公司偿付能力的实证分析

An Empirical Analysis of the Solvency of Life Insurance Companies in China

摘要: 中国正加速迈入人口老龄化社会，人身保险作为可以风险转移的商业保险，成为缓解养老压力的重要途径。自1980年我国保险业正式复业以来至今，我国的人身保险业的业务量和规模都在不断扩大，具有极大的市场潜力。然而随着市场的不断变化，其面临的风险也不断增加，偿付能力正是人身保险公司经营的关键所在。因此在人口老龄化背景下，通过面板实证模型对影响人身保险公司偿付能力的各类因素进行研究，确定各因素与偿付能力之间的相互关系，促进人身保险公司对自身偿付能力采取改善措施，为提升我国人身保险公司发展质量、解决人口老龄化下养老保险的支付压力有着一定的借鉴意义。

Abstract: China is accelerating into an aging population society. As commercial insurance that can transfer risks, life insurance has become an important way to alleviate the pressure of old-age care. Since 1980, China’s insurance industry formally resumed business, and the business volume and scale of China’s personal insurance have been expanding continuously, which has great market potential. However, with the continuous changes of the market, the risks it faces are also increasing. Solvency is the key to the operation of life insurance companies. Therefore, under the background of population aging, the panel empirical model is used to study various factors affecting the solvency of life insurance companies, determine the mutual relationship between each factor and solvency, and promote life insurance companies to take measures to improve their solvency. It is of great significance to improve the development quality of Chinese personal insurance companies and solve the payment pressure of endowment insurance under the aging population.