中文摘要：

财险公司最低偿付能力的影响因素很多,包括财险公司内部因素、国内保险业发展状况和国际经济环境变化等。比率法将赔付率作为偿付能力的最重要影响因素,给出了财险公司最低偿付能力额度的简单且实用的度量。本文首先利用线性模型分析我国各财险公司赔付率的分布规律,再结合比率法分析我国财险公司最低偿付能力额度,提高比率法分析结果的可信度。分析结果显示,我国财险公司偿付能力额度应当分类监管。

英文摘要：

The minimum solvency margin of non--life insurance companies is affected by many factors, such as ones from non--life insurance companies, Chinese insurance industry, international economic circumstance, and et al. Ratio model takes the claim rate as the most important variable, and gives simple and applicable measurement o{ the minimum solvency margin for a non-- life insur- ance company. This paper verifies the distributed identity of claim ratios of Chinese non-- life insur- ance companies by using linear model. The results are used to improve the ratio model and deter mine minimum solvency margin of Chinese non--life insurance companies that have more confidence of the conclusion obtained. Empirical analysis shows that solvency classification regulation for Chi nese non--life insurance companies is an optimal option. It should improve regulatory system of Chinese non--life insurance company.