大力推动中国相互保险发展以深化多层次金融改革

Highly promote the development of mutual insurance in China——Deepening multi-level financial reform

相互保险与当下中国经济发展高度契合,其发展已经进入快车道。从该保险形式在外国的发展演进来看,其与股份制形式是保险领域最重要的两种类型,各自市场份额时高时低,但总体上处于基本相当的水平。相互保险从供给发力满足市场对保险的需求,促进多层次保险市场形成。受益互联网+的发展,其规模效应更容易实现,也更有利于直接服务实体经济。目前中国相互保险领域的法规依据仅有2015年保险会发布的《相互保险组织监管试行办法》,距离"重大改革于法有据"的要求存在不足,构建符合中国特色的相互保险制度体系己经十分紧迫。相互保险的组织形式选择是涉及到如何与现在法律制度进行对接的重大问题。对相互保险风险进行动态监测、评估,不断加强相互保险偿付能力建设。

Mutual insurance closely correlated with current Chinese economic development.,Its development has entered into the fast lane.Looking from the perspective of its development history in foreign countries,mutual insurance together with shareholding system are the two most important types.,Market share of each went high and low from time to time,but averaged out in similar levels generally.Mutual insurance exert force from supply side to meet the market demand in multi-level insurance markets.Also benefited from the development of the Internet+,its scale economy is thus more easier to achieve,and apply to entity economy.At present,legal documents concerning China’s mutual insurance only to be found in 2015 issued by the"mutual insurance organization supervision pilot approach",and there is a big gap in meeting with the proposed"major reform in accordance with the law"requirements,and it is pressing to meet the Chinese characteristics of the mutual insurance system requirement as well.The choice of organizational forms of mutual insurance is a major issue that relates to how to interface with the present legal system.To have dynamic monitoring system,conducting assessment,and constantly strengthening the mutual insurance solvency building.