加强保险监管 防范和化解寿险分支机构经营风险

寿险分支机构经营风险直接、间接影响寿险公司整体的偿付能力状况。导致寿险分支机构经营风险的主要原因是:风险管理的作用没有得到足够体现,粗放式管理模式制约经营管理水平,信息不对称形成逆选择和道德风险,市场的恶性竞争,人员素质参差不齐。寿险分支机构的经营风险可以通过内部自我约束来防范与化解,保险监管机构可以起到外部监管的作用。保险监管机构应正确认识偿付能力监管,防范化解风险;提高现场检查力度;提高非现场监管水平;加强队伍培训、提高监管水平;建立有效的风险预警机制。

A large number of branches of insurance companies with wide geographical coverage, as main entities for daily life insurance management, play an important role in the development of life insurance companies. And their operation risks mainly stem from internal and external risks such as the accumulation of non-performing loans, the weak risk control in underwriting and claims adjustment, vicious market competition in disorder and frequent occurrence of fradulence and malpractice. Therefore, the operation risk of those life insurance branches will have direct or indirect impact on the solvancy margin of life insurance companies. And the main reasons for operation risks of life insurance branches are as follows ： the risk management effect has not asserted itself; the extensive management mode restrains the further enhancement of operation management ; information asymmetry generates adverse selection and moral hazard ; vicious market competition and varied staff quality. In order to solve this, life insurance branches shall strengthen self-constraint to prevent and avoid operation risks meanwhile the regulator shall play its role in external supervision which includes increase of awareness on solvancy margin requirement to check and avoid risks, enhancement of spot inspection and off-site supervision, strengthening staff training to increase supervision level and establishment of effective risk precaution system.