保险监管机构

美国仍将是世界上唯一没有全国保险监管机构的国家，这一空白在美国国际集团（aig）案例中可以强烈感受到负责此案的是纽约州的保险监理官。

The US will still be the only country without a national insurance regulator , a gap that was strongly felt in the AIG case , where the New York state insurance commissioner was in charge .

纽约州保险监管机构也拒绝置评。

The New York state insurance regulator declined to comment .

此外，中国的保险监管机构也放宽了规定，这样保险公司就更容易投资股市了。

And China 's insurance regulator eased rules so that insurers could more easily invest in stocks .

保险监管机构应选择与目前市场状况相适应的资本监管模式，增加监管资本计算中的风险敏感性。

Regulators are advised to choose the right capital regulatory model appropriate to the current market condition , enhancing the sensitivity of the capital model to risk .

保险监管机构很可能将缓慢推进，最初仅允许保险公司将至多5%-8%的资产投入房地产。

It is likely that the insurance regulator will move slowly and allow insurers to invest only about 5-8 per cent of their assets in real estate initially .

中国最高银行和保险监管机构今年首次打击金融违法行为，对机构和个人处以总计近2亿元的罚款。

China 's top banking and insurance regulator has slapped fines totaling almost 200 million yuan on institutions and individuals in its first crackdown on financial violations this year .

保险监管机构对保险公司设定偿付能力资本要求，是保险监管“三支柱”框架下的“财务监管支柱”中的一项核心指标之一。

The insurance regulator has set up a minimum capital requirement on insurers , making it one of the core appraisal parameters in the " three pillar " regulatory framework .

保险监管机构在自己的职责范围内，对利用保险合同危害国家利益和社会公共利益的违法行为进行监督，这是法律赋予保险监管机构的权利，也是保险监管机构义不容辞的责任。

It is a legally authorized right and a duty-bound responsibility of the insurance regulator to oversee such violations as using insurance contracts to damage public interests or even national interests .

本文可以分为引言、正文和结语，正文内容如下：首先是对国外保险监管机构模式较为成熟的美英日进行有关方面的概述。

The main content can be divided into three chapters . First , patterns of foreign insurance regulators such as Japan 、 United States and Britain is more mature overview of relevant day .

美国国际集团与纽约州保险监管机构达成协议，使该公司获准将旗下子公司200亿美元资金用于补充母公司资本。该公司正竭尽全力避免流动性危机和信用评级下调。

The deal between AIG and New York State insurance regulators allows the company to access $ 20bn of its own subsidiaries in a desperate attempt to stave off a liquidity crisis and credit downgrades .

同时，要从保险监管机构的角度，加强对非寿险保险公司偿付能力的管理，最终促进中国保险业在入世后的持续稳健发展。

Meanwhile , the management on solvency of non-life insurance companies should be strengthened from the angle of insurance regulatory institutions so as to boost the sustainable and sound development of China 's insurance sector after entry into WTO .

第三，保险监管机构面对寿险行业内出现的新型误导方式和行为要采取新措施。

Second , the institution of insurance supervision should strengthen the supervision on insurance companies and the inner management of insurance companies . The third is that the supervision institution should take new measures to remove the new forms and new actions on sales misleading of life insurance .

因此本文的量化方法对我国保险业监管机构和保险公司在优化偿付能力相关指标方面都有一定的参考价值。

Considering this , this paper has some reference value for both the government regulators and the insurance companies in China to optimize the related index of solvency margin .

这与1997年举行的首届金融工作会议形成反差。那次会议启动了对当时资不抵债的银行体系的清理工作，还建立了证券业和保险业监管机构。

It was a far cry from the inaugural conference in 1997 , which launched the clean-up of the then insolvent banking system and established securities and insurance regulatory agencies .

健康保险公司的监管机构要按照保监会的规定，定期或者不定期的提交偿付能力报告。

Health insurance companies , regulatory agencies in accordance with the provisions of the CIRC , regular or irregular submit solvency report .

经济资本在国内也已得到保险公司和监管机构的认同，是未来保险业风险管理的主流趋势。

Economic capital has been recognized by the insurance companies and regulatory agency in China , is the main trend of the risk management in insurance industry .

但是，由于供应链融资是不同于以往的金融创新业务，其参与主体包括银行、借款企业、物流公司、保险公司及监管机构等。

However , for the reason that the supply chain financing is different with the former financial innovation service , and its participation main body includes bank 、 loan enterprise , physical distribution company 、 insurance company and supervision organization .

佳达全球产险业务总监劳拉莫厄里（LaraMowery）表示，由于提高主保险费率受到地方监管机构的限制，以及企业过去几年的盈余已经缩减，财产保险公司正在承受压力。

Lara Mowery , head of global property speciality at Guy Carpenter , said property insurers were being squeezed as primary insurance rate increases were restricted by local regulators , and companies ' surpluses from previous years have shrunk .

自20世纪90年代，我国政府部门从养老保险基金监管的组织机构、监管的法律制度等方面对养老保险基金监管机制进行了不断的优化，取得了较大的成效。

Since 90s of the 20th century , the Government has done much Continuous optimization in so many aspects such as Pension Insurance Fund regulatory organization , Regulation of the legal system , and also achieved considerable results .

监管合作及信息共享主要有国际保险监督官协会与各国保险监管机构的合作与指引；

The supervisory cooperation and information sharing is guided by the rules of IAIS and of the regulatory bodies of different countries .

最后，在前面实证分析结论的基础上，对财产保险公司提出了有关产品开发和内部管理等方面的意见，对保险监管机构提出了监管方面的政策建议。

Finally , based on the previous empirical analysis , the paper gives the advice to the property insurance company on product development and internal management , and policy recommendations to the insurance regulatory agencies .

长期护理保险在我国保险市场是一个新兴的领域，随着我国人口老龄化现象的日益严重，长期护理保险已经逐渐成为保险公司、保险监管机构以及有关学者和研究人员的研究对象。

Long-term care insurance is an emerging field in our insurance market , with the growing of aging population , long-term care insurance has gradually become the study object of insurance companies , insurance regulators as well as scholars and researchers .