AIG被接管对我国保险业的警示

The lessons of AIG takeover and its warning to China′s insurance industry

本文分析了AIG危机产生的原因机理,探讨其带来的教训,并在此基础上得出对中国保险业的启示,包括:警惕国际金融风险传导;注重风险控制;建立健全监管体系;培育有效信用评级机构;完善保险公司风险管理等。

The American subprime crisis erupted in 2007 and peaked in September, 2008. The global giant insurer AIG was taken over by the U.S. government with a price of only $ 85 billion. The current financial tsunami is spreading over the whole world presently. We should check whether the factors leading to the Wall Street financial crisis also exist in our country, and nib the problem while it is still in buds, This paper analyzed the reasons for the AIG crisis, and elaborated on the lessons to the industry. Then, it analyzed the implication for Chinese insurance companies, including being alert on shift of international finance risks, paying attention to risk control, establishing and perfecting regulation system, cultivating effective credit-rating agencies and improving risk management capability of insurers and so on.