我国人寿保险公司偿付能力的实证分析
本文的研究基于平安人寿保险公司2004年到2013年的财务数据，采用spss19.0对平安人寿公司的保费收入增长比率、净资产增长比率等偿付能力指标进行了因子分析。经过分析，本文得出结论：近几年，我国人寿保险公司的偿付能力总的来说在不断地加强，公司的保费收入，经营能力，资产流动性，准备金的提取均对偿付能力的强弱有重要影响。另外，外部因素比如经济环境对偿付能力的强弱影响也不可忽略。
毕业论文关键词：寿险公司 偿付能力 因子分析
Empirical research on the solvency of China’s life insurance company
——take Ping An Life Insurance Company Limited for example
Abstract：Since we resumed insurance business in 1979, the life insurance has developed rapidly. There were more and more life insurance companies in China in the past decades.Life insurance companies are playing an important role in our life.
But with the development of life insurance companies,there is more and more respon- sibility for life insurance companies to take.It’s a test to life insurance company’s solvency.Because of the development of financial mixing industry management,risk caused by the lack of life insurance companies will shake the entire financial mark- et.So we should do some research about the life insurance company’s solvency to find approaches to improve the solvency.
The research of this paper is based on the Ping An Life Insurance Company’s fi-
nancial figures from 2004 to 2013.This paper uses spss19.0 to do factor analysis.The-
se factor reflects the solvency of life insurance company,such as the rate of insurance income growth,the rate of net asset growth and so on.After analysis,this paper drew some conclusions.First,the solvency of China life insurance company is keeping incr-
easing in recent years.Second,the insurance income,operation capacity and the provis-
ioning of life insurance company play a important role in the solvency of life insuran-
ce company.The last but not least,the influence of external factors such as economic environment can’t be overlooked.
Key Words：life insurance company, solvency, factor analysis
目 录
一、引言1
（一）研究意义和背景1
（二）文献综述2
（三）本文主要内容与框架3
（四）本文优点与不足4
二、人寿保险公司偿付能力相关概念4
（一）偿付能力相关理论.4
（二）偿付能力额度的确定.5
（三）偿付能力充足率6
（四）偿付能力监管的概念.6
三、我国人寿保险公司偿付能力的现状分析.7
（一）我国人寿保险公司的发展现状7
（二）我国人寿保险公司偿付能力的现状分析10
四、人寿保险公司偿付能力的影响因素分析.11
（一）内部因素.11
（二）外部因素.13
五、中国寿险公司偿付能力实证分析.15
（一）平安人寿简介.15
（二）分析方法的选取.15
（三）分析数据的选取和指标计算.16
（四）因子分析18