基于bp人工神经网络的寿险公司偿付能力预警监测研究-金融学专业论文.docxVIP

AbstractLife Abstract Life insurance solvency is the ability to reimburse all the due debts and to take 011 future responsibilities．The eligibility of solvency is the basis of keeping away commercial risks，achieving harmonization of development thoroughly,and realizing continuable development．Life insurance solvency is the focus of insurance supervision． 11le insufficient of insurance solvency will not only impact the managing ability of life illsurance companies，but also the development of China’S life insurance commerce．It may eVen jeopardize China’S finance and insurance mark吨and threat the latent interest of the public． Tllis article employed BP neural network theory to build the model of solvency early-warning system for life insurance．First，this article explained the meaning of Life insurance solvency and the factors which affect it，analyzed the actuality of China’S“fe insurance solvency and the reasons why the solvency of China’S life insurance companies are deficient．Then compared and analyzed the existing models of solvency early-warning system for life insurance．On the basis of related supervision regulation and referring to the US IRIS and FAST systems，this article established the basic financial rate indexes which reflect the solvency of life insurance companies on three aspects：the sufficiency of capital，the capability of making profits，and the pay out of operation．On the basis of the above works，this article employed BP neural network theory to the solvency early-warning system for life insurance，provided the methods and steps of early-warning and supervision of life insurance companies’solvency,and made empirical study．The conclusion of study showed tllat this method could guarantee the veracity and sensibility of early-alarming signals，thus could provide reference to life insurance companies and insurance supervision department．111e employing of BP neural network theory to the solvency early-warning system for life insurance is both practical a