加强保险集团监管的政策建议

Policy recommendations for strengthening the regulation on insurance groups

2004年以来,我国金融业逐步呈现综合经营的趋势,保险集团也得到了迅猛发展。从国际经验和国内实践来看,保险集团属于一把双刃剑,在促进行业发展的同时,也可能会因监管空缺而出现风险问题,严重时可能会破坏正常金融秩序。通过观察金融监管部门对保险集团的监管,分析在集团化过程中存在的潜在风险隐患,对当前加强保险集团监管提出政策建议。

The financial integration trend has emerged in China since 2004 and insurance groups grew rapidly amid such wave. While insurance groups can contribute to the development of the whole industry, they might also bring severe risks with them, which might even damage the financial order in absence of firewall system and proper regulation. Based upon observations on the current regulation activities on insurance groups and an analysis of potential threats to financial industry from insurance groups, this article presents several feasible policy recommendations for strengthening the regulation on insurance groups in china.