金融综合经营与保险业风险防范

Research on comprehensive financial operation and risk control in insurance industry

尽管经历了严重的金融危机,金融综合经营仍然是目前市场发展的趋势。从各国金融行业发展与监管制度的变迁来看,金融机构有实行综合经营的内在需求,但要建立规范的法律制度有效防范不同行业、机构的风险传递。目前我国保险法及相关金融立法中虽然以分业经营与分业监管为原则,但在相关的条款中已经为综合经营留下了法律空间。因此,必须从制度上作好风险防范,降低综合经营的制度成本。

From a historical perspective, comprehensive operation among the financial industry is an inevitable trend even under the shadow of the financial crisis. From the development of the financial industry and the evolution of the regulatory systems in many countries, we can see that there is an inherent need for financial comprehensive operation, but we should establish an effective system of laws and regulation to guard against the transfer of risks a- mong different industries and entities. Even though China still applies the principle of separate regulation and sepa- rate operation for the financial industry, relevant laws and regulations have made special arrangements for potential comprehensive operation in the future. Therefore, we should pay attention to risk prevention and cost reduction for possible comprehensive operation.