基于保险费率市化视角下保险监管分析.pdfVIP

基于保险费率市场化视角下保险监管分析 内容摘要 在整个经济体制改革的背景下，为了实现保险市场价格发现功能 以及市场化进程,费率市场化是我国保险业正在进行的一项重要改 革。费率市场化改革本质是将保险费率制定权由保险监管机构转交给 保险公司，充分发挥保险公司在费率制定中的自主权。 但是，在费率制定上的放权并不能代表保险监管的放松。由于费 率市场化改革中，微观主体保险公司在市场定价中有了更大的权利， 同时也面临了更大的风险：市场风险、信用风险、操作风险以及偿付 能力风险。从费率市场化的国际经验来看，费率市场化改革中保险公 司将会更容易出现因偿付能力不足而出现的破产情形。因此，费率市 场化中不是应该放松对保险监管，相反，正是要更加有效的对保险公 司、以及保险行业进行监管。 本文从监管目的出发，结合我国现行保险监管制度和政策，从宏 观和微观两个视角提出费率市场化改革中现行保险监管可能存在的 不足或漏洞，进一步提出相关保险监管政策建议。 关键词：费率市场化，偿付能力风险，系统性风险，保险监管 2 万方数据 ANALYSIS OF INSURANCE SUPERVITION BASED ON MARKETIZATION OF INSURANCE PREMIUN RATE ABSTRACT In the whole economic system reform of China, in order to realize the insurance market price discovery function and the process of marketization, insurance premium rate becomes an important reform in Chinese insurance industry. The essence of premium rate market reform is the right transmission of making the insurance premium rate from the regulator to insurance companies, which will be given more rights in making premium rate. However, of insurance premium rate is not representative of insurance supervision to relax. Since the reform of premium rate marketization, insurance companies have more rights in the market pricing, but also face greater risks ，such as market risk, credit risk, operational risk and solvency risk. From the international experience of rate marketization, reform of insurance premium rate market will be more prone to bankruptcy ，caused by the lack of solvency. Therefore, rate marketization in should not relax on insurance regulation, on the contrary, it is need more effective