考察台湾地区保险市场的若干思考

Reflections from the study tour to Taiwan′s insurance market

本文通过对台湾保险业反欺诈工作情况、保险业资金运用政策与现状、金融业综合经营与金控公司的发展、保险行业组织的发展与作用等重要问题的考察,借鉴台湾保险业的经验和教训,提出应建立两岸保险反欺诈合作机制,在大陆逐步建立行业性保险犯罪信息数据库,进一步发挥行业组织在反保险欺诈工作中的作用,加强反保险欺诈国际交流,稳步推进费率市场化和市场退出机制改革,并稳健地推进保险营销体制改革。

The research team made an extensive investigation on the anti-fraud practices,regulation policies on in- vestment of insurance funds, comprehensive operation in the financial industry and the development of financial holding companies,and the development and role of insurance industry associations in Taiwan insurance market. Borrowing on Taiwan experiences and lessons, the paper proposed to establish a cross-strait anti-fraud cooperation mechanism, build up a data bank on insurance related crimes on the mainland, further strengthen the role of industry associations in combatting insurance frauds, increase international exchanges on anti-fraud experiences, roll out premium rate liberalization and market exit mechanism reform step by step, and steadily carry out reform on the insurance agent distribution system.