国际保险业的“非相互化”:动因、影响及借鉴

发布时间：2018-01-29 10:42

本文关键词： 相互保险非相互化借鉴　出处：《保险研究》2016年05期 　论文类型：期刊论文

【摘要】：近30年来,西方发达国家的保险业出现了"非相互化"的趋势,许多传统的相互保险公司在组织形式上先后转变为股份制保险公司。从动因来看,"非相互化"趋势是相互保险公司内外部多种因素共同作用的结果。"非相互化"对保险公司的经营绩效和国际市场格局产生了影响,但是对保单持有人的影响不大。"非相互化"并非意味着相互制组织形式行将"终结",相互制组织形式仍然有着顽强的生命力。我国已经具备了适时、适度放开相互保险市场准入的条件,监管机构应在相互保险的公司治理、业务领域、退出机制、保单持有人权益保护等方面对现有规则进行完善。
[Abstract]:In the past 30 years, the insurance industry of the western developed countries has appeared the trend of "non-reciprocity". Many traditional mutual insurance companies have been transformed into joint-stock insurance companies in the organizational form. The trend of "non-reciprocity" is the result of the interaction of many internal and external factors of mutual insurance companies. "Non-reciprocity" has an impact on the operating performance of insurance companies and the international market pattern. But the influence on the policy holder is not great. "non-mutual transformation" does not mean that the mutual organization form is coming to an end, and the mutual organization form still has strong vitality. To properly liberalize the conditions of mutual insurance market access, regulators should perfect the existing rules in the aspects of mutual insurance corporate governance, business field, exit mechanism, protection of the rights and interests of policy holders, and so on.
【作者单位】：对外经济贸易大学保险学院;
【分类号】：F841
【正文快照】： 一、引言互助是保险的精髓,也是保险区别于银行与证券等其他金融业务的本质特征。由于相互制这种组织形式与保险的互助精神十分契合,自保险业诞生之后就得到了广泛采用,而且至今也广为世界各国所推崇。然而,在过去的几十年里,国际保险业却经历了一场“非相互化”的潮流。所谓

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