A Study of Solvency Risk Management in Insurance Company

• Main Authors: Pin-yin Chon, 周品吟
• Other Authors: Jui-Yun Wu
• Format: Others
• Language: zh-TW
• Published: 2005
• Online Access: http://ndltd.ncl.edu.tw/handle/d5uwez

碩士 === 朝陽科技大學 === 保險金融管理系碩士班 === 93 === Since Taiwan has been joined in the WTO (World Trade Organization), the insurance market in the Taiwan is opened to the world, moving on the international and freedom. The local insurance companies are facing the huge challenges because many foreign insurance companies are established in Taiwan day by day. Moreover, the prospect in Taiwan cannot go up in recent years. To revive the prospect of Taiwan, the government took the low-rate policy, which made big impacts in our native insurance markets, especially in the life insurance market. There are many examples in the America and Japan show that insurance companies went bankrupt because they had some money problems. At present, the economical situations our local insurance companies face are very similar to those of the insurance companies were going to bankrupt in Japan. Therefore, to avoid becoming the “Second Japan”, all the government emphasizes the abilities of payment. This thesis will introduce the characters of the insurance markets so that readers will know about more the characters of the markets, describing the risking management of insurance business and the systems of payable abilities. There are some systems introduce the payable abilities, which deeply discuss why they lose their payable abilities and what kind of impacts after losing their payable abilities, such as the IRIS, FAST, RBC and so on. Finally, observing the withdrawing structure of bankrupted insurance companies in America and Japan and combining the probably problems in local insurance companies, our country can make a reasonable withdrawing system. Thus, the government and insurance companies can refer to.