美国保障基金体系及其对中国的借鉴作用

America's Insurance Guarantee Fund System and the Reference Role for China

美国的保险保障基金体系已经成为美国保险监管制度中事后监管的重要组成部分。通过基金运行效率的指标分析方法证明,保障基金在保险公司出现经营困难甚至发生破产时有效地保障了保单持有人的合法权益,不过同时也出现了破产成本过高的问题,这样就为中国保险保障基金体系的构建提供了可资借鉴的经验教训。

America's insurance guarantee fund system has become an important part of the post-mortem supervision in American insurance supervision system. The index analysis of the fund operation efficiency shows that the guarantee fund effectively guarantee the policy holder's legal rights when there is something wrong with the insurance company or when the insurance company goes bankruptcy. Meanwhile there comes the problem of the higher bankruptcy cost. All these provide valuable lesson and experience for establishing China's insurance guarantee fund system.