新时代金融监管体系助力公司核保研究

Research on the Financial Regulatory System Helping Company Underwrite in the New Era

随着当前经济环境发生变化,金融风险源头以及性质也产生了改变,不断加强和完善现代金融监管、强化金融稳定保障体系是形势所趋,我国金融监管迎来新时代改革,也推进了对保险销售行为管理的进一步加强。核保行为在保险销售过程链中处于关键地位,是保险公司用于风险管理的防护屏障。随着新时代金融监管体系不断完善,保险产品的核保风险管控对于保险公司经营来说具有重要地位。文章通过对金融监管与保险公司核保行为相关理论进行研究,分析我国目前核保行为存在的问题,进而提出完善金融监管体系助力公司核保行为的对策建议。

With the current changes in the economic environment,the source and nature of financial risks have also changed,and it is the trend to continuously strengthen and improve modern financial supervision and strengthen the financial stability guarantee system.China's financial regulatory system has a reform in the new era.It reinforces the mamagement of insurance sales.Underwriting is a key part in the process of insurance sales,as well as a protective barrier for insurance companies to manage risks.With the continuous improvement of the financial regulatory system in the new era,the underwriting risk control of insurance products plays an important role in the operation of insurance companies.This paper analyzes the existing problems of underwriting behaviors in China by studying the related theories of financial supervision and insurance companies'underwriting behavior,and then puts forward countermeasures and suggestions for improving the financial supervision system to help companies'underwriting behavior.