【中文版】

保险最低资本是指保险公司为开展业务所必须拥有的最低资金额度，也是衡量保险公司财务状况的重要指标之一。在中国的《保险公司财务规定》中，明确规定了保险公司的最低资本标准。

保险最低资本主要用于确保保险公司在经营过程中能够承担风险，并具备一定的偿付能力。这些资金不能被用于高风险的投资，而应存放于低风险的投资渠道，如银行定期存款、国债等。

根据不同的保险业务类型和规模，保险最低资本的标准也不同。例如，财产保险公司的最低资本标准为2亿元人民币，人身保险公司的最低资本标准为1亿元人民币。如果保险公司拥有的资本低于最低资本标准，将面临被吊销营业执照的风险。

为了确保保险公司的偿付能力和经营稳定性，中国保监会还规定了保险公司的资本充足率指标，即保险公司资本与负债的比例必须达到一定的水平。如果资本充足率过低，保监会将会采取措施限制业务规模、调整投资策略等手段，以确保保险公司的偿付能力和经营稳定性。

总之，保险最低资本是保险公司开展业务所必须具备的最低资金额度，对于确保保险公司的偿付能力和经营稳定性具有重要意义。

【英文版】

Minimum capital for insurance refers to the minimum amount of funds that insurance companies must possess to carry out business, and it is also one of the important indicators to measure the financial condition of insurance companies. The minimum capital standard for insurance companies is clearly stipulated in China's "Financial Regulation on Insurance Companies".

Minimum capital for insurance is mainly used to ensure that insurance companies can bear risks during the course of business and have a certain solvency. These funds cannot be used for high-risk investments, but should be deposited in low-risk investment channels such as bank time deposits, government bonds, etc.

The minimum capital standards for insurance companies differ depending on the type and scale of insurance business. For example, the minimum capital standard for property insurance companies is RMB 200 million, while the minimum capital standard for life insurance companies is RMB 100 million. If an insurance company's capital falls below the minimum capital standard, it will face the risk of having its business license revoked.

To ensure the solvency and stability of insurance companies, the China Insurance Regulatory Commission has also stipulated the capital adequacy ratio index, which refers to the ratio of an insurance company's capital to its liabilities. If the capital adequacy ratio is too low, the CIRC will take measures to restrict business size, adjust investment strategies, etc. to ensure the solvency and stability of insurance companies.

In summary, minimum capital for insurance is the minimum amount of funds that insurance companies must possess to carry out business, which is of great significance for ensuring the solvency and stability of insurance companies.