中国保险宏观审慎监管指标框架构建研究

发布时间：2018-02-02 02:41

本文关键词： 保险发展宏观审慎监管金融混业经营监管指标框架　出处：《经济社会体制比较》2017年05期 　论文类型：期刊论文

【摘要】：在金融混业经营背景下,随着宏观审慎监管从理念演绎到监管实施的推进,中国金融领域的跨组织、跨市场和跨境整合不断变革与融合,传统保险监管面临着新的挑战,其监管指标框架需要更进一步探索和深化。文章在对我国保险监管目标深入研判的基础上,尝试构建我国保险宏观审慎监管指标体系,并结合中国宏观经济与金融部门相关经验数据,运用熵权法编制中国保险系统性风险宏观审慎监管指数。文章主要得出如下结论:构建我国以系统性风险治理为对象的保险宏观审慎监管框架,总体上应涵盖政府监管层面、企业内控层面以及行业自律和社会监督层面在内的"三个层面的治理",最终实现总体审慎方法与个体审慎方法相结合的"两种方法的融合"。
[Abstract]:In the context of financial mixed operation, with the promotion of macro-prudential supervision from the concept to the implementation of supervision, the cross-organizational, cross-market and cross-border integration of the financial sector in China is constantly changing and merging. Traditional insurance regulation is facing new challenges, and its regulatory index framework needs to be further explored and deepened. This paper attempts to construct an index system of macroprudential supervision of insurance in China, and combines the relevant empirical data of China's macroeconomic and financial sectors. Using entropy method to compile the macro-prudential supervision index of China's insurance systemic risk. The main conclusions of this paper are as follows: construct the insurance macro-prudential supervision framework of our country taking systemic risk management as the object. On the whole, it should cover the "three levels of governance", including the level of government supervision, the level of enterprise internal control and the level of industry self-discipline and social supervision. Finally, the integration of the two methods is realized, which combines the general prudent method with the individual prudent method.
【作者单位】：云南大学经济学院;重庆大学应用经济学博士后流动站;重庆市经济信息中心(重庆市综合经济研究院)博士后科研工作站;重庆大学经济与工商管理学院;黄桷树金融工作室;
【基金】：国家社会科学基金重大项目“开放经济条件下我国虚拟经济运行安全法律保障研究”(项目编号:14ZDB148) 重庆高校创新团队建设计划(项目编号:CXTDX201601007)
【分类号】：F842
【正文快照】： 一、引言以美国国际集团(AIG)危机为肇端的2007~2009年全球金融危机,引发了世界范围内对于保险领域系统性风险问题的关注,并充分暴露出微观审慎监管的缺陷,使得“以防范系统性风险为主旨”的宏观审慎监管应运而生。在金融混业经营背景下,随着宏观审慎监管从理念演绎到监管实施

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