寿险业信用评级的实践及规律性探索

Study on Credit Rating Regularity of Life Insurance Industry in China

从国内外寿险业信用评级的实践中探索其评级规律,通过对比发现我国寿险业信用评级中存在的不足。建议借鉴国外成熟的经验,实施信息披露制度,建立本土化的信用评级指标体系,探索准确的评级方法,提高评级机构的权威性和专业性,完善法律基础,提升监管水平。

This paper explores the credit rating principles from the practice of life insurance credit rating at home and abroad,discovers the defects of China＇s life insurance credit rating through comparison. Drawing lessons from foreign mature experience,we present proposals such as implementing information disclosure system,establishing a localized credit rating indicator system,exploring accurate rating methods,enhancing the authority and professionalism of the rating agencies,improving the legal basis,and raising the level of supervision.