中国保险业风险形成及治理对策

Formation of risks in Chinese insurance industry and suggested solutions

本文从中国保险业发展历史出发,对保险业风险管理面临的正式制度和非正式制度着手,运用制度经济学理论,强调在中国保险业进行有效风险管理,除了注意保险企业产权不清晰、国有公司治理不完善、保险产业链不完整、生态环境易于滋生风险等正式约束外,还必须正视儒家思想的影响和官本位导向等非正式约束,运用信息经济学、产业经济学和制度经济学理论,提出建立四个风险管理机制的构想。

Proceeding from the historical perspective of China＇s insurance industry, the article elaborated on the formal policies and informal policies for risk management of the insurance industry through economic theories. It emphasized that to effectively manage risks, the insurance industry should not only pay attention to institutionalized restrictions such as unclear ownership, inadequate corporate governance for SOEs, incomplete value chain of the industry, and the ecological environment＇s risk-proneness, they should also consider the influence of informal restrictions such as Confucianism thinking and officialdom worship. The paper applied theories of information economics, industrial economics and system economics and proposed to establish four types of risk management mechanisms.