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保险机构评级方法论

本方法论阐述了标普信用评级(中国)有限公司在为保险机构进行评级时所使用的评级方法。 在适当的情况下,本方法论还可能用于其他类似机构的评级。 
本方法论阐述了评估保险公司或类保险机构个体信用状况(SACP)和主体信用评级(ICR)时需要考虑的主要因素,包括集团或者政府对受评主体提供特殊支持的可能性。 
本方法论在考察宏观因素时,将行业风险纳入运营环境的分析。除此之外,本方法论也会将保险机构的个体特征纳入考量,主要包括:竞争地位、资本与盈利性、风险状况、财务灵活性、 管理与治理,以及流动性等因素。 
综上,在分析 SACP 时,我们通常会考虑以下因素: 
 行业风险;  竞争地位;  资本与盈利性;  风险状况;  财务灵活性;  管理与治理;  流动性;  补充调整。 
在评级的过程中,我们通常也会考虑保险机构获得外部支持可能性,包括来自于政府或集团的经常性支持和/或特殊情况下的支持。 
我们会通过定性分析和定量分析来评估各评级要素以及集团和政府支持。对于行业风险、竞争地位、管理与治理、外部支持等要素,我们主要使用定性分析;而对其他要素则主要使用定量分析。对处于初创或关闭阶段的受评主体,我们可能还会考虑其他因素。 
根据债务性质的不同,我们可能给予保险机构其它类型的评级。我们还可能在适当的时候对其ICR 进行上调或下调。
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