12 Insurance companies' latest solvency does not meet the standards of 80 insurance companies, the comprehensive solvency of the comprehensive solvency of the comprehensive solvency of the comprehensive settlement rate declines

Reporter Su Xiangzheng

As of August 10, 147 insurance companies have disclosed the solvency report in the second quarter. According to statistics from the "Securities Daily" reporter, among them, the comprehensive settlement rate of 80 insurance companies in the second quarter was declining from the previous quarter, accounting for 54%; the 12 repaid capacity did not meet the standards.

Although the comprehensive settlement capacity of more than half of the insurance companies has declined, the proportion of insurance companies with a comprehensive settlement capacity in the second quarter have narrowed from the number of insurance companies from the previous quarter (about 66%of the insurance companies declined by about 66%in the first quarter). From the perspective of the industry, the decline in the comprehensive settlement capacity of many insurance companies in the second quarter is related to the second -generation second -generation second -generation project that has been implemented this year. Putting higher requirements.

The second -generation second -generation second -generation project is implemented

The main reason for the decline in the ability to settle in insurance

In the second quarter, the overall solvency of insurance companies, based on the latest risk comprehensive rating (ie, the first quarter risk comprehensive rating) and other indicators such as indicators. According to regulatory regulations, insurance companies must meet three conditions at the same time to calculate the solvency of the payment: first, the comprehensive solvency adequacy ratio is not less than 100%; the second is that the core solvency adequacy ratio is not less than 50%; the third is comprehensive risk rating rating Class B and above.

In the regulatory requirements, in the second quarter, a comprehensive solvency of a property insurance company's comprehensive solvency, the core solvency adequacy ratio, and the comprehensive rating of risks did not meet the standards. In addition, the comprehensive and core solvency of 11 insurance companies have reached the standard, but the comprehensive rating of risk does not meet the standards. Based on this, a total of 12 insurance companies have not reached the standard in the second quarter.

Specifically, there are 6 Class C property insurance companies, namely Bohai Property & Casualty Insurance, Fuder Property Insurance, Hua'an Insurance, Qianhai Property & Casualty Insurance, Sunshine Criminal Insurance, Everest Insurance. Property and insurance; 4 Life Insurance Companies, which are Centennial Life, Bohai Life, Hezhong Life and Three Gorges Life; no Class D Safe Insurance Company.

The reasons for not reaching standards are different. Among them, Bohai Property & Casualty Insurance stated that the company was rated as Class C for two consecutive quarters, mainly because the solvency adequacy ratio was at a lower level. Fude property insurance said that the reason for the comprehensive risk rating in the first quarter was that the company's governance supervision evaluation level was E -Class in the recent period. Hua'an Insurance stated that the main reason for the comprehensive risk rating in the first quarter was that the score of operating risk -related indicators was low. The Three Gorges Life stated that the main risk of the company is that the solvency is still under pressure, and the company's strategy and management and management have been limited; the rectification requirements of SARMRA on -site evaluation opinions are still being implemented. Essence

In addition to the non -compliant insurance companies, in the second quarter, there were still many comprehensive and core settlement rates of insurance companies declined from the previous month. Judging from the month -on -month increase of the comprehensive payment capacity of insurance companies, one of the 61 life insurance companies is flat, 36 have fallen, and 24 are rising; 1 of 76 property insurance companies are flat, 38 have fallen, 27 27, 27 27, 27 The home rises; 6 of the 10 reinsurance companies have fallen and 4 have risen.

In this regard, the main actuator of a insurance company told the "Securities Daily" reporter that the main reason for the decline in the ability of insurance companies in the first quarter and second quarter of this year was the implementation of the second -generation second -generation project. The calculation rules for corporate payment capacity are different. The changes in the calculation rules and the previous business strategies of insurance companies have deviated, and insurance companies need time to adjust their business strategies to gradually improve their solvency.

Insurance companies need to be multi -pronged

Improving the solvency

Xu Yuchen, a founding member and senior actuarian of the China Actuary Association, told reporters that under the rules of new solvency supervision, insurance companies can improve their solvency through various channels such as capital increase, enhance business quality, and strengthen liquidity management.

Specifically, insurance companies can adopt the method of capital increase to increase the solvency of the settlement. Dubang Insurance said that while the company improves its own operation, it will actively promote the capital supplementary plan and will recently increase capital to increase capital. At the same time, the company attaches great importance to the problems in operating risks and corporate governance to promote rectification work.

Bohai Property & Casualty Insurance has improved its solvency through six aspects: First, to promote the increase in capital increase and the issuance of sub -fileder debt. The second is to improve the quality of auto insurance business and resolutely clear the losses. The third is to promote the strategic development of non -auto insurance business. The fourth is to resolutely abolish long -term losses and low -capacity institutions. Fifth, strengthen cost management and promote cost reduction and efficiency. Sixth, the three -pronged approach of open source, throttling and control.

From the perspective of insurance companies, deepening research on various risks is also an important means to improve their solvency. The chief risk officer of a large insurance asset management company said in an interview with reporters that on the one hand, the new rules require insurance companies and investment managers to consider asset risks more comprehensive and fully. Risk research is more deeper.

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