金融混业经营趋势对保险业发展的影响及对策

The Impact Made by the Trend of Financial Mixed Operation

混业经营实质上是指金融业内部的分工与协作关系,即银行、证券公司、保险公司、信托机构在业务上相互融合、渗透与交叉,开展多元化经营。随着金融监管制度不断完善,风险管理技术日益成熟,金融混业经营逐渐成为现代国际金融业发展的主导趋向。从我国加入WTO到入世五年过渡期的结束,金融市场已全面开放,中资金融机构混业经营问题再次成为经济学关注的焦点。针对金融混业经营给保险业在资本风险和经营风险等方面带来的潜在和现实影响,在外部监管和内部控制等方面提出了一些应对策略。

Mixed operation essentially refers to the division of labor and cooperative relations within the finance industry, that is, banks, securities companies, insurance companies and trusts institutes should be integrated and cross-infiltrated in business, nmning a diversified one. As the financial supervision system improved and the risk management technology matured, the mixed operation in finance industry will gradually become the leading trend of development of modem international finance industry. Accounting for the widely-opened finance market, during the period when China had been admitted into WTO since＇five years ago, surely, the mixed operation in China-invested financial organization have been focused again in economy＇ s field. This essay will talk about some related tactics on the aspects of external supervision and internal control in terms of the potential and actual impacts of capital and operational risk in insurance industry brought by the financial mixed operation.