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Local Life Insurance Industry has been recently confronted with the phase of management turning-point in the process of the radical changes in financial circumstances; the opening capital market, the liberalizing interest rate level, the restructuring finance industry, etc. The core of these changes in the liberalizing and the opening of all respects concerned. The inclination of counter- steps to these changes by authorities concerned can be described as the free competition in local insurance market and the gradual regulatory mitigation for the purpose of self-regulation. Therefore, the competition in insurance market can be overheated and the various kinds of risks threatening the safety and soundness of insurance industry can be accelerated in volume.
Solvency Margin regulation to insurance companies is generally regarded as a kind of restriction which makes insurers reserve funds to the extent of maintaining financial soundness. It's purpose is insurers' faithful performance of the duty imposed by a contract with policyholders, that is, preventing beforehand their insolvency. The question of securing solvecy margin is whether the insurer concerned can .secure or not enough capital for paying off surrender value and all sorts of debts at a specific point of time. But, as of today, this is not simply the question of a point of time, but the one of a concept of probability. Estimating a insurer's solvency margin, we must consider not only the portfolio of insurance and investment but the intenal financial structure at the same time. In this respect, the assessment of individual insurer's solvency margin cannot be performed simply by establishing several standards. First of all, it must be considered all sorts of factors related to insurance management..
This study, therefore, tries to analyze the method of securing solvency margin relating to the regulations of insurer's one as a counter-step to various risks originating from radical changes in financial circumstances. Examining the change, of insurance circumstances, the questions of regulation solvency margin, the present regulations of solvency margin and the precedents of solvency management in U.S.A an Japan, this study intends to show the method of securing solvency margin in Local Life Insurance Industry.
Solvency Margin regulation to insurance companies is generally regarded as a kind of restriction which makes insurers reserve funds to the extent of maintaining financial soundness. It's purpose is insurers' faithful performance of the duty imposed by a contract with policyholders, that is, preventing beforehand their insolvency. The question of securing solvecy margin is whether the insurer concerned can .secure or not enough capital for paying off surrender value and all sorts of debts at a specific point of time. But, as of today, this is not simply the question of a point of time, but the one of a concept of probability. Estimating a insurer's solvency margin, we must consider not only the portfolio of insurance and investment but the intenal financial structure at the same time. In this respect, the assessment of individual insurer's solvency margin cannot be performed simply by establishing several standards. First of all, it must be considered all sorts of factors related to insurance management..
This study, therefore, tries to analyze the method of securing solvency margin relating to the regulations of insurer's one as a counter-step to various risks originating from radical changes in financial circumstances. Examining the change, of insurance circumstances, the questions of regulation solvency margin, the present regulations of solvency margin and the precedents of solvency management in U.S.A an Japan, this study intends to show the method of securing solvency margin in Local Life Insurance Industry.
목차
Ⅰ. 序論
Ⅱ. 生命保險의 環境變化와 支給餘力 規制
Ⅲ. 先進國의 支給餘力 管理
Ⅳ. 우리나라 生命保險社의 支給餘力 管理
Ⅴ. 支給餘力 確保 方案
Ⅵ. 結論
參考資料
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