From the average score, the average score of 43 insurance companies was 74.03 points, an increase of 2.11 points compared with the previous assessment, among which, the average scores of 25 property and casualty insurance companies and 18 personal insurance companies were 74.6 points and 72.85 points, an increase of 3.46 points and 0.4 points compared with the previous assessment. In terms of the distribution of scores, there are 5 companies with scores of 80 or above, and 29 companies with scores between 70 and 80, accounting for nearly 80% in total. In terms of the impact on the solvency ratio, the five companies with scores of 80 or above can make 1.85 billion yuan less in minimum capital, which will increase the solvency ratio; the 38 companies with scores below 80 need to make an additional 3.82 billion yuan in minimum capital, which will lower the solvency ratio.

"Although the risk management work of insurance companies has achieved positive results, some deficiencies have been found in the supervisory assessment," the CBIRC pointed out in its announcement, adding that some companies' chairmen, general managers and other key minorities do not pay enough attention to risk management in terms of business philosophy, and find it difficult to meet the needs of comprehensive risk management work in terms of their professional capabilities. Some companies copy the model risk management system or regulatory rules, which lacks operability; the phenomenon of "heavy system, light implementation" is more common; some companies have insufficient cooperation and linkage among relevant departments, which reduces the effectiveness of risk management work; some companies are not strong in the use of risk management tools; some companies do not have adequate credit risk management and internal rating system is not sound. Some companies are not capable of utilizing risk management tools; some companies' credit risk management is not in place and their internal rating system is not sound. The CBIRC said that the next step will be to continuously improve the SARMRA assessment mechanism, continue to promote the insurance industry to enhance risk management capabilities, and resolutely guard the bottom line of not incurring systemic risks.