我国保险公司治理结构建设的理论与实践

保险公司治理结构建设的总体要求是：按照完善社会主义市场经济体制和建立现代企业制度的要求，坚持“统筹协调、全面推进，分类指导、突出重点，完善制度、重在执行，循序渐进、务求实效”的原则，切实加强保险公司治理结构建设，着力解决公司体制机制的深层次矛盾和问题，努力把保险公司建成资本充足、内控严密、运营安全、服务和效益良好的现代保险企业，不断提高保险公司竞争力。完善保险公司治理结构要注重总结成功经验，注重把握发展趋势，注重联系我国保险业实际，注重解决存在的突出问题。加强保险公司治理结构建设，要按照保监会出台的《关于规范保险公司治理结构的指导意见（试行）》的要求，重点加强董事会建设，规范管理层运作，强化内控机制，加强治理结构监管。深化国有保险公司改革，必须坚持以完善公司治理结构为中心，力争在一些关键领域和重点环节取得突破：推动国有保险控股或集团公司体制改革；加强国有保险公司高管人员的管理；探索建立市场化的高管人员选聘机制。

The general requirements on insurance companies＇ governance structure construction are as follows： insurance companies＇ corporate governance should be greatly strengthened by adhering to the principles of ＂overall coordination and full-range promotion, classified guidance and highlighting the focus, improving policies and emphasizing implementation, gradual progress and seeking practical results, according to the requirement for perfecting the socialist market economy mechanism and building up the modern corporate system. Efforts should be made at resolving deeper-level contradiction and problems in corporate system and mechanism with an aim to build insurance companies into modern insurance enterprises with sufficient capital, stringent internal control, secure operation and prime services and efficiency and to continuously improving the insurance company＇s competitiveness. In improving insurance companies＇ governance structure, we should summarize successful experiences, keep track of the development trend, have a good understanding of the actual situations of China＇s insurance industry and focus on tackling the most prominent problems. The ＂Guiding Opinion on Standardizing Insurance Companies＇ Governance Structure （Provisional）＂ should be followed in strengthening insurance companies＇ governance structure construction. According to the ＂Guiding Opinion＂, emphasis should be put on the construction of the Board of Directors, and moreover, management operation should be standardized, internal control mechanism should be strengthened, and oversight of governance structure should be consolidated. The deepening reform of state-owned insurance companies must center on improvement of their governance structure. Moreover, we should spare no efforts trying to achieve breakthroughs at the critical link or key areas, namely, reform of the mechanism of state-owned insurance holding company or group company, enhancing administration of senior management personnel of state-owned insurance companies, and exploring with a market - led senior management selection and recruitment system.