保险系统性风险的风险溯源与监管创新

Risk Traceability and Regulatory Innovation of Insurance Systemic Risks

近年来,保险系统性风险与宏观审慎监管问题逐渐受到世界各国重视。目前我国的保险监管制度虽已逐渐将保险系统性风险纳入监管范围,但现有的监管措施过于简陋,难以有效防范、化解系统性风险。为此,在厘清保险系统性风险内生性根源与制度性根源基础上,反思我国保险系统性风险既有监管规则之不足,认为我国保险系统性风险监管的应然诉求是建立金融机构协调合作机制的法制化路径、提高保险宏观审慎监管相关立法、将现代科技手段运用与保险宏观审慎监管实践相结合。

In recent years, insurance systemic risks and macro-prudential supervision issues have gradually received attention. At present, China’s insurance regulatory measures have begun to gradually introduce systemic risks into the scope of supervision. However, the existing regulatory rules still cannot effectively prevent the resolution of systemic risks. To this end, the institutional roots of China’s systemic risks are introduced in the dispute analysis of whether there is systemic risk in the insurance industry, exploring the deficiencies and shortcomings of existing regulatory rules for insurance systemic risks. And on this basis, put forward the legalization path of establishing a coordination mechanism for financial institutions, initiate insurance macro-prudential supervision related legislation as soon as possible and integrating the use of new technology with insurance macro-prudential supervision practices to improve insurance macro-prudential supervision.