Abstract: If we divide China’s P&C insurers into four segments by annual premium income and capital structure, there exists huge difference between the four segments, which will bring extraordinary challenges to regulators in setting industrial police and regulatory standards. We study the premium risk difference among the four segments, then try to set out solvency capital requirement for china’s P&C industry with layer decreasing methods. by dividing earned premium into three layers:[0,2billion],[2 billion,10billion],[above 10 billion], we give our recommended solvency capital requirement of the three layers:30%,22%,15%.

摘要： 如果按照保费规模和资本结构可以将我国财险公司分成四类，这四类公司在保险市场上的经营情况和风险特征均呈现很大差异，对于制定行业政策和监管标准都是一个巨大挑战。本文从分析几类公司的定价风险入手，研究不同类别公司之间的风险差异，并尝试使用分层递减的资本标准制定方法，将已赚保费分为[0,20亿]、[20,100亿]、[100亿以上]三个区间，对应的资本要求分别为30%，22%，15%。