基于网络化结构的保险资金联结风险治理研究

A Study on Insurance Fund-linked Risk Governance based on the Network Structure

本文引入网络化治理理论,尝试建立包含政府监管部门、保险公司、投保人等多元利益主体的网络治理结构,探讨治理保险资金运营风险的实施路径、模式,强调通过合理的信息披露,加强发挥市场中保险消费者选择这只"看不见的手"的作用,驱使保险公司更多考虑联结风险的因素,以更加优异的社会表现吸引消费者。

The article introduces the theory of networked governance and attempts to establish a network governance structure that includes multiple stakeholders such as government regulators, insurance companies, and policyholders, discusses the implementation path and model for managing insurance fund operating risks, and emphasizes strengthening the use of reasonable information disclosure. The role of insurance consumers in the market is to drive insurance companies to consider more factors that link risks and to attract consumers with more excellent social performance.