我国保险偿付能力监管探析

An exploration on regulation of insurance company solvency margin in China

当前我国保险偿付能力监管的框架体系已经基本搭建起来,但还存在着偿付能力风险评估体系不完善、忽视保险公司内部风险管理的微观基础作用、信息披露制度不健全以及市场退出渠道尚不畅通等问题。出现这些问题的主要原因有财政型保险制度的历史影响、国有产权占主导地位的现实、监管机构的职能定位存在冲突以及监管机构的理念存在偏差等。

China has established the basic framework for solvency margin regulation on the insurance company. However, there are still problems such as inadequate solvency margin risk appraisal system, neglecting of micro operation of interoal risk control in insurance companies, incomplete information disclosure system and lack of efficient market exit channels. Major reasons for these problems are： historical influence of the fiscal type of insurance system, the reality of state ownership dominance, conflicts of functions and roles of different regulatory bodies and conceptual mis-positioning of regulatory bodies.