综合评级对保险公司盈利能力与风险的影响研究

罗琰1; 赵涵2

综合评级对保险公司盈利能力与风险的影响研究

引用本文：罗琰1,赵涵2.综合评级对保险公司盈利能力与风险的影响研究[J].财经理论与实践,2024,(6):43-50

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作者	单位
罗琰1,赵涵2	（1.南京审计大学金融学院江苏南京 211815； 2.湖南大学金融与统计学院湖南长沙 410006）

中文摘要:基于2016—2021年60家保险公司的样本数据，实证分析综合评级对保险公司盈利能力与风险的影响。结果表明，综合评级会提高公司盈利能力，增加投资风险、承保风险以及降低杠杆风险。在非国有控股保险公司中，综合评级对其盈利能力与风险的作用效果更明显。鉴于此，政府层面需完善综合评级机制，为实施有效分类监管提供更科学的依据；保险公司层面需顺应分类监管导向，构建差异化经营发展模式。

中文关键词:分类监管综合评级盈利能力风险

A Study on the Influence of Integrated Rating on Profitability and Risk of Insurance Companies

Abstract:Based on the sample data of 60 insurance companies from 2016 to 2021, the empirical process analyzes the impact of the implementation of the integrated rating on the profitability and risks of insurance companies. The conclusion shows that the integrated rating will improve corporate profitability, increase investment risk, underwriting risk and reduce leverage risk. In non-state-owned holding companies, the effect of integrated rating on profitability and risk is more obvious. In view of this, the government needs to improve the integrated rating mechanism to provide a more scientific basis for the implementation of effective classification supervision; the insurance company needs to comply with the classification supervision guidance and build a differentiated business development model.

keywords:classified regulation integrated rating profitability risk

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