我国保险业风险证券化的可行性研究

A Study on the Feasibility of Securitization of Insurance Risks in China

保险风险证券化是金融和保险在风险管理领域融合的根本课题。从风险管理供给看,它是保险公司方法和金融市场方法融合进而扩展彼此功能的结果;从风险管理需求看,其根源是公司风险管理变化,直接原因是保险公司自身的风险管理要求.我国试行保险风险证券化,应该整合保险公司的金融功能,完善偿付能力监管。

This paper first briefly describes the current status of insurance risk securities, insurance market in China. With the development of finance market ,the requirement of the government regulation and insurance company risk management, so this paper research on the feasibility of securitization of insurance risks in China, potential issues and solution are considered. The insurance industry in China can refer these findings to develop risk securities as an option as re-distribute the risk in the finance market.