论保险公司破产清算制度中的保单持有人利益保护——以新《保险法》相关制度评介为中心

On protecting policyholder interests in the liquidation and bankruptcy of insurance company——A discussion on relevant provisions of the new Insurance Law

构建完备的保险公司破产清算制度是我国《保险法》修订工作的重要内容之一,这不仅是应对当前逐渐迫近的世界性金融危机的现实需要,也是促进我国保险市场规范发展的制度前提。在保险公司破产清算程序中,充分保障保单持有人的利益、公平合理地清偿债务是有效化解金融风险的关键所在,新《保险法》相关内容为之提供了坚实的制度基础,但在科学性和可操作性上还有待进一步改进和完善。

We need to construct a sound system for the liquidation and bankruptcy of insurance company to handle with the impending global financial crisis as well as to promote the development of our insurance market. In the related proceeding, only when the policy holders get enough relief could we effectively defuse financial risks brought by the insolvency. The revision of Insurance Law of the People＇s Republic of China can offer a solid foundation if we keep improving its rationality and operability by way of practice.