我国大型保险企业集团化发展路径探析

An Exploration on the Path of Development of Large Insurance Companies to be Insurance Holding Companies

由于外资保险集团在华扩张、银行向保险行业渗透、监管机构支持,以及集团化经营显著的规模经济和范围经济效应,我国大型保险企业集团化发展速度加快,表现出了依托主业、共享资源、资本运作等特点,并且呈现出在发起设立上,由自身发起向资本并购发展;在业务领域上,由保险业务的混业经营向金融业务的混业经营发展;在集团母公司功能上,由业务经营为重点向全面管控为重点发展;在资源共享上,由简单的交叉销售向共享客户资源发展等发展趋势。针对这些发展趋势,监管层面要建立监管组织体系、完善监管制度、转变监管理念,在公司层面要突出主业、注重效益、完善治理、加强内控、整合资源。

Due to foreign insurance group＇s expansion in China, the banking sector＇s penetration into the insurance industry, and insurance regulator＇s support of comprehensive operation by insurance groups for scale and scope efficiency, large insurance companies are quickly growing into insurance group companies, which are characterized by their focus on core businesses, resources sharing and strengthened capital operation, etc. Corporate initiation has also changed from self-initiation to the use of acquisition. In terms of business scope, cross-operation within the insurance businesses is also been replaced by crossoperation among the financial services industry. And the function of the holding company has turned from a business operation focus to the focus of overall control. In the aspects of resources sharing, the simple form of cross-sales is evolving towards a mutual sharing of customer resources. In the face of these development trends, the insurance regulator should establish a regulatory organization system, improve regulatory systems and transform its regulatory concepts, while insurance companies should sharpen their focus on core businesses, emphasize business efficiency, improve their governance regime, strengthen internal control and consolidate resources.