从西方保险公司破产反思我国保险市场退出保障机制的建设

一、引言 总资产达523亿美元(逾四千亿人民币),规模匹敌世通、安然的美国第7大保险商Conseco Inc于2002年12月17日已正式向法庭申请破产保护,从而成为美国第三大申请破产保护的公司,目前共负债512亿美元。而刚刚从“9.11”

借鉴发达国家经验,健全我国保险市场退出机制

从处置有问题保险机构的法律框架、保险公司市场退出的缘由、退出的清算顺序和破产管理人、保险保障基金的征收及补偿标准四个方面,概括论述发达国家保险业市场退出机制;从完善保险市场退出法规、明确保险企业退出界限,完善保险保障基金制度,明确保险企业的破产管理人,建立健全保险市场风险预警系统等四个方面提出健全我国保险市场退出机制的建议。

我国保险业治理的发展与优化研究

保险业治理是国家金融治理体系的有机组成部分。我国保险业的快速发展在得益于全行业科学治理的同时,也对保险业治理提出了更高的要求。本文首先界定了保险业治理的内涵;其次,在回顾我国保险业治理探索的基础上,对保险业治理的四大主体及其配套机制进行了分析,指出我国保险业治理在治理环境、治理模式、治理创新、治理理念、治理目标、治理能力、治理主体、治理机制等方面存在的问题;最后,针对这些问题提出了做好顶层设计、树立正确的治理思维、建立治理链条、形成治理合力、补齐治理短板、建立分类监管框架、导入IT治理和提升各方认同度的对策建议。

中国保险经纪人制度历史与现实的分析

随着中国加入WTO ,我国保险市场对外开放亟待拓宽与加深 ,尽快同世界保险市场接轨 ,而引入通行世界几百年的保险经纪人制度就是这一进程的直接结果 ,也是推动这一改革的强劲动力。文章主要分析了我国保险经纪人制度的历史和现状 ,指出在我国建立和发展保险经纪人制度的必要性、可行性以及一些制约因素 。

The Pay-as-You-Go System of Pension Insurance

The most recent trends in population dynamics have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The pay-as-you-go system is dominated by the state that guarantees its stability. Private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address this issue, this paper makes both an assessment and analysis of the arguments put forward in favor of the preservation of the pay-as-you-go system and a comparison of this system with some of the main characteristics of the private accounts system. This is the basis for seeking the objectively defined role of the pay-as-you-go system in the conditions of the market economy. A couple of conclusions that have been formulated might be of interest for the future improvement of the organization and management of pension insurance.