近年来,中国保险业一直保持着超常规的发展速度。随着业务规模的急速扩张,我国保险公司的偿付能力不足问题并且由之带来的企业经营风险日益受到保险公司和政府监管部门的重视,中国保监会也将其作为近年来的工作重点来解决。笔者就保险公司偿付能力及风险管理谈谈自己的理解。 In recent years, China’s insurance industry has maintained its extraordinary pace of development. With the rapid expansion of business scale, the insufficiency of the solvency of the insurance companies in our country and the business risks brought by it have been paid more and more attention by the insurance companies and the government regulators. The CIRC also takes it as the focus of work in recent years. The author talks about his understanding of solvency and risk management of insurance companies.