保险公司行业保障基金制度的国际比较研究

International Comparative Study on the Insurance Company Industry Protection Fund System

保险保障基金的设立旨在实现救助保单持有人和问题保险公司,以此来维持保险行业的稳定并促使其发展。在当前保险行业的快速发展、国际环境严峻复杂、金融市场脆弱性加大等多重压力下,我国保险保障基金制度的弊端已日益凸显,尽快对其进行完善已是稳定我国金融体系的必要要求。为切实发挥保险保障基金制度维护金融市场安全与稳定的重要作用,本文针对我国目前的存在的制度短板,通过保险保障基金制度的国际比较,提出了健全与完善我国保险保障基金制度的具体建议。

The establishment of Insurance Protection Fund aims to rescue policy holders and problem insurance companies,in order to maintain the stability of the insurance industry and promote its development.Under the multiple pressures of rapid development of the insurance industry,severe and complex international environment and increasing financial market fragility,the malpractice of our insurance protection fund system has become increasingly prominent.It is a necessary requirement to improve it as soon as possible to stabilize our fi nancial system.In order to effectively bring into play the important role of maintaining the security and stability of fi nancial market,this paper,aiming at the existing system short board,puts forward the concrete suggestion of perfecting the insurance protection fund system through the international comparison.