我国保险公司治理存在的问题及对策研究.doc.doc

我国保险公司治理存在的问题及对策研究 骆正清陈绪芳余勇国 合肥工业大学管理学院，中国，安徽合肥，230009完善保险公司治理保险业进一步深化体制改革和建立现代企业制度的核心内容，是提升保险业竞争力的必由之路。研究保险公司的治理具有意义 100 安邦财产保险股份有限公司 28.92 71.08 华安财产保险股份有限公司 17 83 生命人寿保险股份有限公司 13.25 39.76 46.99 民生人寿保险股份有限公司 20 80 海尔纽约人寿保险有限公司 50 50 Abstract：the governance of insurance industry is widely approved to be the core content for furthering organizational reform and for establishing modern enterprise system. Moreover it was considered to be the important method to promote the competitive ability of our country’s insurance industry. So, the research of governance for insurance company is meaningful. This article reviews the development of corporate governance of domestic insurance company, and points out the serious problems exist in corporate governance of domestic insurance company. These problems include irrational shareholding structure, distempered directorate construction, insufficient functions of board of supervisors, distempered incentive and binding mechanism. After sufficient considering of the specialties of insurance company and Chinese special institution, and combining with the management experiment of foreign insurance company, this article puts forward some solutions, such as constructing temperate centralized shareholding to optimize the shareholders’ structure, improving the directorate construction, strengthening the responsibility of directorate and director, perfecting the committee function of directorate, constructing rational performance evaluate system for directorate, and establishing corresponding laws for insurance company. Keywords: Corporate governance, governance mechanism, insurance company 1 引言 近年来我国保险业发展迅速，在经济建设和社会生活中发挥了重要的作用。据统计[1]，截至2005年12月底，我国保险业保费收入达4927亿元，排名世界第11位，比2000年上升了5位。保险公司总资产15225.9亿元，比年初增加3240.1亿元。目前全国共有保险公司93家，其中，保险集团和控股公司6家，财产险公司35家，人身险公司42家，再保险公司5家，保险资产管理公司5家。并且，中国人保、中国人寿和平安保险三大保险公司相继在境外成功上市，实现了治理机制改革重要的突破。 然而，在取得成绩的同时，我国保险公司在治理方面也还存在股权结构不合理、董事会建设不到位等问题。这些问题的存在不仅与建立现代保险企业制度和深化保险业改革的内在需要很不相适应[2-54]，而且也不利于进一