保险公司市场退出机制与路径研究

Research on market exiting mechanism and arrangements of domestic problem insurance corporations

完善的市场退出机制是一个成熟、高效的保险市场应具备的重要特征之一。由于经验和历史等原因,我国保险公司尚未真正经历过破产程序。伴随着国内外竞争的日趋激烈,国内保险公司要健康地成长壮大,必须建立起高效的保险公司市场退出机制。鉴于此,本文提出了完善我国保险公司市场退出机制的路径安排,主要包括:完善保险市场退出的相关法律法规、制定积极稳妥的多层次市场退出方式、建立健全保险公司信息披露制度、加强对保险公司的风险监管和建立科学的保险保障基金制度。

The existence of a proper exit mechanism is an important characteristic of a mature and efficient insur- ance market. Due to the lack of experience and historical reasons, none of domestic insurance companies has gone through the actual procedure of bankruptcy. With the increasingly fierce competition at home and abroad, an effi- cient exit mechanism has to be established to ensure healthy and sustained growth of domestic insurance companies. This article puts forwards several suggestions on how to improve the market exit mechanism of insurance companies, which includes perfecting related laws and regulations, establishing an appropriate multi-level exit modes, setting up a proper information disclosure system, intensifying supervision on insurers＇ risk-taking, and establishing a scientific insurance protection fund system.