I“偿二代”下我国中小型财险公司保费风险最低资本标准测算研究摘 要:经过 3 年的建设,2015 年第一季度起,中国第二代以风险为导向的偿付能力监管体系在中国保险市场开始施行,意味着中国保险业的监管迈入新的时代。本文选取 38 家中小型财险公司为研究对象,基于 Campagne 模型,对财险公司的保费风险最低资本标准进行测算。同时通过分析我国中小型财险公司的发展现状,关于中资财险公司和外资财险公司的风险管理能力提高,以及保险行业如何进行合理有力的监管财险公司提出了些许建议与意见。关键词:Campagne 模型;“偿二代”;保费风险;最低资本Study on the Solvency Capital Requirement of the Small and Medium Sized P&C under the "C-Ross" based on Premium RiskAbstract : After three years of construction, China's second-generation risk-oriented solvency monitoring system has been implemented in the insurance market since the first quarter of 2015, which means that the supervision of China's insurance industry has entered a new era. This paper selects 38 small and medium-sized P&C as the research object, measures the Solvency Capital Requirement for P&C based on the Campagne Model. At the same time, through the analysis of the status of the development of China's small and medium-sized P&C, the proposal for improving the IIsolvency of China and foreign P&C and the efficiency of solvency regulation in the industry was put forward.Key words:Campagne Model, C-Ross, Premium Risk, Minimum CapitalIII目 录摘要ⅠAbstractⅠ一、引言1二、文献综述1(一)国外研究现状2(二)国内研究现状2三、理论基础及分析方法3(一)Campagne 模型3(二)综合因子法 4四、数据的引用与统计分析 5(一)数据的引用与处理5(二)描述统计5(三)中小型财险公司综合成本率实证分析8五、结论与建议10(一)结论10(二)建议11参考文献124一、引言2015 年 2 月,中国保险监督管理委员会(简称“保监会”)发布文件《保险公司偿付能力监管规则(第 1-17 号)》,意味着“偿二代”进入过渡期,2016 年第一季度,“偿二代”正式...