AIG困境及其对我国保险业的启示

The Dilemma of AIG and Its Enlightenment to China’s Insurance Business

由于次贷危机造成了公司业务的巨额亏损,全球最大的保险集团公司AIG被美国政府接管。究其原因,一方面在于AIG过度集中地投资次贷市场,另一方面也在于国际信用评级机构的无能。AIG的惨痛教训,必将对我国保险资金的运用产生深远的影响。我国不仅要对保险资金的运作继续采取严格监管措施,坚持以"安全性"为首要原则,而且也要构建科学有效的风险预警机制。

Under the influence of the subprime mortgage crisis,the company AIG which is the world’s largest insurance group has been taken over by the U.S.government for its huge losses.The reasons are as follows:on the one hand,AIG excessively concentrated its investment on the subprime market;on the other hand,it is the incompetence of the international credit rating agencies.AIG’s painful lesson will have far-reaching impact on the use of China’s insurance fund.China should not only continue to employ strict regulatory measures on the operation of insurance funds,adhere to the"security"as the first principle,but also build a scientific and effective risk warning mechanism.