保险保障基金的道德危险之殇
发布时间：2019-08-04 10:22
【摘要】："保险是现代经济的重要产业和风险管理的基本手段,是社会文明水平、经济发达程度、社会治理能力的重要标志。"(1)我国保险监督管理委员会自成立以来,在"防范风险方面,遵循‘统筹规划,夯实基础,加强监管’的指导原则,努力构筑以公司内控和治理结构监管为基础,以偿付能力监管为核心,以现场检查为重要手段,以资金运用监管为关键环节,以保险保障基金为屏障的防范保险业风险的‘五道防线’"(2)。保险保障基金作为"五道防线"的最后一道防线,现行的资金筹集环节、使用环节及追偿环节的缺失易诱发保险公司的道德危险,影响基金的功能发挥,有必要厘清道德危险的成因,寻求对策,降低道德危险对保险保障基金制度的不利影响。
[Abstract]:"Insurance is an important industry of modern economy and the basic means of risk management, and it is an important symbol of the level of social civilization, the degree of economic development and the ability of social governance." (1) since its establishment, China's Insurance Supervision and Management Committee has followed the guiding principles of 'overall planning, tamping the foundation and strengthening supervision' in the aspect of risk prevention, and strives to build a supervision based on the internal control and governance structure of the company. Taking solvency supervision as the core, on-site inspection as an important means, capital use supervision as the key link, and insurance protection fund as the barrier, the 'five lines of defense' to prevent insurance risks "(2). As the last line of defense of the "five lines of defense", the lack of the current fund raising link, the use link and the recovery link can easily induce the moral hazard of the insurance company and affect the function of the fund. It is necessary to clarify the causes of moral hazard, seek countermeasures, and reduce the adverse impact of moral hazard on the insurance guarantee fund system.
【作者单位】： 中南财经政法大学法学院;
【分类号】：D922.284
本文编号：2522879
[Abstract]:"Insurance is an important industry of modern economy and the basic means of risk management, and it is an important symbol of the level of social civilization, the degree of economic development and the ability of social governance." (1) since its establishment, China's Insurance Supervision and Management Committee has followed the guiding principles of 'overall planning, tamping the foundation and strengthening supervision' in the aspect of risk prevention, and strives to build a supervision based on the internal control and governance structure of the company. Taking solvency supervision as the core, on-site inspection as an important means, capital use supervision as the key link, and insurance protection fund as the barrier, the 'five lines of defense' to prevent insurance risks "(2). As the last line of defense of the "five lines of defense", the lack of the current fund raising link, the use link and the recovery link can easily induce the moral hazard of the insurance company and affect the function of the fund. It is necessary to clarify the causes of moral hazard, seek countermeasures, and reduce the adverse impact of moral hazard on the insurance guarantee fund system.
【作者单位】： 中南财经政法大学法学院;
【分类号】：D922.284
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