Chapter four discusses the history and present situation of china ' s solvency regulation , analyzes the existing problems of solvency regulation in china . the conclusion drawn from the discussion is that china has a long way to go from marketplace regulation to solvency regulation 第四章研究了我国偿付能力监管的历史、现状和目前存在的问题，认为我国从市场行为监管转向以偿付能力监管为核心的体制需要很长时间，是一个长期的过程。
Since non - life insurance companies and life insurance companies have different risk and underwriting objective , the methods of solvency regulation are also different for them , so the article discusses the two issues separately in order to make the study more straightforward 在本论文中，考虑到财产保险公司和人寿保险公司面对的风险差异、承保对象的不同，其偿付能力监管指标体系存在很大差异，因此分开叙述，使本文的研究更有针对性。
Chapter one briefly introduces the classification of the risks , including the asset risk , liability risk , asset / liability matching risk and operational risk faced by the insurance company ; and then provides a general discussion of the insurance regulation and the solvency regulation 第一章从保险公司面临的风险的分类出发，简要介绍了保险公司面临的资产风险、负债风险、资产/负债“匹配”或“相互影响”的风险和经营风险，对保险监管和偿付能力监管进行了概述。
The fifth part places special emphasis on the shortages of china ' s solvency regulation by analyzing the development and current situation of it and comparing it to the developed solvency regulation experiences of typical developed countries . consequently , the author suggests some policies and advices on how to perfect the solvency regulation of china ' s insurance companies 第五部分结合我国保险公司偿付能力监管的发展和现状，并对比国外偿付四少11大学硕士学位论文能力监管的先进经验，指出我国偿付能力监管的不足和缺陷，从而提出健全和完善我国保险公司偿付能力监管的意见和建议。
The solvency regulation is the nucleus of insurance regulation . the european community insurance regulation system and the american insurance regulation reflect the main idea of insurance regulation of each country in the world . we can found new solvency regulation system in our country from using their experience 偿付能力监管是保险监管的核心，欧盟与美国的偿付能力监管体系基本反映了当前世界各国最主要的偿付能力监管思想，对我国建立新的偿付能力监管体系有借鉴意义。
From two important aspects of insurance company ' s solvency management , the author expounds in details the application and its value of dfa in capital management , asset liabilities management , and reinsurance planning . the author also puts forward his own viewpoint , which dfa can help national insurance industry construct valid forewarning system against financial risk , and can cooperate with current solvency regulation ratio system too 该部分不仅详实全面地论述了动态财务分析在保险公司资本管理、资产负债管理、以及再保险规划工作中的应用，并且在此基础上，阐述了可以通过动态财务分析来“配合国内现行的偿付能力监管指标体系，为民族保险业构筑有效的财务风险预警系统”的观点。
The concept , the research target , the content and the influence factors of solvency are discussed . the importance and the present research situation of solvency regulation are introduced . and the current situation of the solvency of our country ' s insurance companies is introduced 本文阐述了偿付能力的概念、研究对象、内容及影响因素，介绍了偿付能力监管的重要性、研究现状，以及我国保险业偿付能力的现状，并指出了我国保险业已面临严重的偿付能力危机，研究我国保险公司的偿付能力具有重要意义。
The third part gives a detailed introduction of the existing models of solvency regulation , and points out that every country should choose the proper model according to the situation of itself . the fourth part studies the ways and methods of solvency regulation systematically and comprehensively , including regulation monitoring , static regulation and dynamic regulation , insurance guaranty fund 从保险公司偿付能力监管预警机制、监管的具体方法(静态监管和动态监管)和保险保障基金三个方面系统地研究了保险公司偿付能力监管的完整体系，即一个完整的偿付能力监管体系应该包括事前、事中和事后三个方面的内容。
Chapter two , which is the core of the article , discusses the three main models of solvency regulation , including insurance regulation information system , risk - based capital , financial analysis solvency tracking and cash flow test in usa ; the provisions about solvency margin , guaranteed funds and technical reserve in the three directives issued by european economic council ; and the methods of solvency regulation in japan 第二章研究了偿付能力监管的主要模式，是本文的核心内容。详细介绍了美国的保险监管信息系统、风险资本方法、财务分析和偿付能力跟踪系统和现金流量分析；详细介绍了欧盟三代保险指令中有关偿付能力额度、保证金和技术准备金的规定；介绍了日本的偿付能力监管方法，并对这三种模式进行了比较。
And also , this part provides some measures and suggestions to improve chinese solvency ratio forecast system and solvency margin regulation system and to establish our guarantee fund system and other assistant system by analyzing and comparing all kinds of techniques and methods for solvency regulation 本章通过分析和比较国内外寿险业偿付能力监管的技术和方法，提出进一步改善我国寿险业偿付能力指标监管和偿付能力额度监管体系、建立适合于我国实际的保证基金体系和偿付能力监管辅助机制的措施建议。
