大力推动中国相互保险发展以深化多层次金融改革

发布时间：2018-03-22 19:33

本文选题：相互保险　切入点：供给侧　出处：《云南社会科学》2017年06期 　论文类型：期刊论文

【摘要】：相互保险与当下中国经济发展高度契合,其发展已经进入快车道。从该保险形式在外国的发展演进来看,其与股份制形式是保险领域最重要的两种类型,各自市场份额时高时低,但总体上处于基本相当的水平。相互保险从供给发力满足市场对保险的需求,促进多层次保险市场形成。受益互联网+的发展,其规模效应更容易实现,也更有利于直接服务实体经济。目前中国相互保险领域的法规依据仅有2015年保险会发布的《相互保险组织监管试行办法》,距离"重大改革于法有据"的要求存在不足,构建符合中国特色的相互保险制度体系己经十分紧迫。相互保险的组织形式选择是涉及到如何与现在法律制度进行对接的重大问题。对相互保险风险进行动态监测、评估,不断加强相互保险偿付能力建设。
[Abstract]:Mutual insurance is highly compatible with China's current economic development, and its development has entered a fast track. From the perspective of the evolution of this form of insurance in foreign countries, it and the joint-stock system are the two most important types in the field of insurance. Their respective market share is high and low, but on the whole they are basically at a similar level. Mutual insurance supplies to meet the market demand for insurance, promotes the formation of a multi-level insurance market, and benefits the development of the Internet. The scale effect is easier to achieve, It is also more conducive to directly serving the real economy. At present, the only regulatory basis for China's mutual insurance sector is the "pilot measures on the Supervision of Mutual Insurance organizations" issued by the 2015 Insurance Commission, which is short of the requirement of "major reform in the law has evidence." It is very urgent to construct a mutual insurance system with Chinese characteristics. The choice of organization form of mutual insurance is a major problem of how to connect with the current legal system. The mutual insurance risk is dynamically monitored and evaluated. We will continue to strengthen the building of mutual insurance solvency.
【作者单位】：北京保险研究院;
【分类号】：F842.6

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