论我国团体保险的发展

On Development of Group Insurance in China

近年来我国团体保险面临发展困境。保险公司内部因重视程度不够、基础建设薄弱、内部控制不力，外部因财税政策的缺位、与医院的利益冲突、社会保险意识的淡漠及市场恶性竞争等因素。团险的健康发展受到制约，长险短做问题十分突出。保险公司亟待建立科学合理的绩效考核指标体系、坚持创新、完善内控，向管理要效益。监管机构要营造发展环境，加大监管力度。加强与银行等部门的合作，规范团险经营行为。

Group insurance business has been facing with a difficult situation in recent years. Internally, insurers haven＇t attached enough importance to this business and their internal control system for this business is still inadequate. Externally, relevant taxation policies are not in place today, and interests of insurers and hospitals haven＇t been aligned. Moreover, weak social awareness for the importance of insurance and vicious competition between insurers are also constraining healthy development of the group insurance business and the problem of writing long-term business as short-term business is prevalent. It is pressing for insurers to establish a proper set of performance appraisal parameters, keep on innovating business models, enhance the internal control mechanism, and improve their efficiency by improved management. The insurance regulator should create favorable environment for the growth of this business, strengthen supervision, step up cooperation with the banking industry and standardize group insurance＇s operational practices.