保险公司接管制度的原理阐释

The Principle of Constructing Takeover System of Insurance Companies

随着我国金融市场的不断发展,保险公司被接管案例屡见不鲜,进一步完善立法,甚至系统立法的呼声也越来越高涨。然而金融接管是非常技术性之实务操作,如何做到细致立法而不越位设限,如何以规则的供给服务保险行业的发展,根本上需要对保险公司退出机制中的接管制度本身的原理阐明梳理。本文试图从该制度价值定位、目的确定、构造解析和制度设计几个方面进行阐释,揭示制度内在机理,并据此提供保险公司接管及相关监管制度体系构建的思路。市场的实践远非仅据书面材料可以臆断,规则的发展离不开行业成长的经验,立足制度基本价值追求,审视符合程序性质的职能定位,回归本原或许就是达成本意的捷径。

With the development of Chinese financial market,it is common for insurance companies to be taken over.Hence the demand for improving legislation and systemic legislation is increasing.However,financial takeover is a demanding and technical practice.On how to legislate in a detailed manner without overstepping authorities or imposing restrictions,and how to serve insurance industry with rules instead of the logic of legislative technology,we need to clarify and hackle the principle of the takeover in exit mechanism of insurance companies.This paper attempts to explain the system from the perspective of value proposition design,objective identification,structure analysis and interest dissection,and reveal the internal mechanism.Based on this,some thoughts on insurance company takeover and the construction of supervision system will be provided.The practice of the market is more than the assumption from written materials,and the improvement of rules is separable from industry experience.In light of the deconstruction of the value of the system,function orientation complied with procedure needs to be reviewed.Return to the fundamental purpose may be the shortcut to achieve the original goal.