健全治理结构 提高保险公司竞争力

保险是一种风险汇聚安排机制，其参与者即保单持有人的利益在保险公司治理结构中具有重要地位。保险公司治理结构是保险公司竞争力的重要体现，它是一种风险制度安排，还表现为对风险文化的认同。但是，目前我国保险公司治理结构建设中对这些内容还缺乏足够的重视。因而，应深化认识、重视保单持有人利益、强调风险文化、优化股权结构及加强董事会建设等，以提高保险公司的竞争力。

Insurance business is an arrangement system on the risk concentration and distribution. The interests of the partcipants, the Policy holders, take an important place in the management structure of an insurance company. Management structure is one of the critical expressions to the advantages of an insurance company. It comprises of the risk system arrangements and the risk cultures acknowledgements. Meanwhile,the importance concerning the management structure constructing is not well recognized in the Chinese insurance companies at present. Therefore, we should deepen the recognitions, emphasize the interests of those Policy holders, highlight the risk cultures, optimize the share structure and improve the directorate construction,for the purpose to a higher competitive advantage of the insurance company.