我国专业自保公司发展研究
发布时间：2018-07-21 21:33
【摘要】：经过三十余年的发展,我国保险业形成了以国有控股保险公司为主,商业保险股份有限公司、中外合资保险公司为辅的市场体系,打破了国有保险公司长期垄断的格局。即便如此,我国保险市场发展改革速度仍远远落后于各行业的发展规模及由之产生的投保需求。特别是近年来,随着我国大中型企业的风险管理意识空前提高,保险市场上的传统风险转移方式已不能满足现有的风险管理需求,而专业自保公司的出现有效解决了上述问题。作为一种风险自留的管理手段,专业自保公司是对传统保险市场的有效补充,其优势在于扩大承保范围,节省成本费用,减少母公司税负,加强企业风险管理,能为大中型企业集团选择合适的风险保障模式。在国际保险市场中专业自保已发展为一种成熟的保险形式,在我国却处于刚刚起步阶段,因此,研究我国专业自保公司的发展现状并为之提出行之有效的对策迫在眉睫。 本文在前人相关研究的基础上,运用文献研究法、分析比较比较和实证分析法,阐述了专业自保公司的定义及其适用范围,运用SWOT分析模型剖析我国专业自保公司的发展情况,从推动保险模式多样化、增强保险市场竞争力、满足保险市场需求等多方面说明了我国发展专业自保公司的必要性。在深入分析我国自保发展历程的基础上,积极借鉴国际自保市场、专业自保公司以及香港中海石油保险有限公司的发展经验,发现我国专业自保公司发展中存在以下问题：国内有关法律法规有待进一步完善；母公司风险管理意识淡薄,风险管控制度不健全；我国的自保市场及自保公司的规模有限；自保人才紧缺,服务体系不完善。进而提出了：完善我国有关专业自保公司的法规条文;放宽市场准入机制,出台税费优惠政策；提升母公司风险管理水平,加强专业自保公司监管；构建专业自保人才体系,提高自保服务质量；健全专业自保公司财务管理制度；优化自保—再保险发展模式,合理降低自留风险等建议对策。希望以此为契机,推动我国专业自保公司的发展步入正轨。
[Abstract]:After more than 30 years' development, the insurance industry of our country has formed a market system, which is dominated by state-owned holding insurance companies, supplemented by commercial insurance companies and Sino-foreign joint venture insurance companies, and has broken the pattern of long-term monopoly of state-owned insurance companies. Even so, the development and reform of China's insurance market still lags far behind the development of various industries and the demand for insurance. Especially in recent years, with the unprecedented improvement of risk management awareness of large and medium-sized enterprises in China, the traditional risk transfer methods in the insurance market can no longer meet the existing risk management needs, and the emergence of professional self-insurance companies has effectively solved the above problems. As a management method of risk retention, professional self-insurance company is an effective supplement to the traditional insurance market. Its advantages lie in expanding the scope of insurance, saving costs, reducing the tax burden of the parent company, and strengthening enterprise risk management. Be able to choose the appropriate risk protection model for large and medium-sized enterprise groups. In the international insurance market, professional self-insurance has developed into a mature form of insurance, but it is just in its infancy in China. Therefore, it is urgent to study the development situation of professional self-insurance companies in China and put forward effective countermeasures for them. On the basis of previous related research, this paper uses literature research method, analysis comparison and empirical analysis, expounds the definition of professional self-insurance company and its applicable scope, and analyzes the development of professional self-insurance company in China by using SWOT analysis model. The necessity of developing professional self-insurance companies in China is explained from many aspects, such as promoting the diversification of insurance modes, enhancing the competitiveness of insurance market and meeting the demand of insurance market. On the basis of in-depth analysis of the development course of self-insurance in China, we actively draw lessons from the development experience of international self-insurance market, professional self-insurance company and Hong Kong National Offshore Oil Insurance Co., Ltd. It is found that the following problems exist in the development of professional self-insurance companies in China: the relevant domestic laws and regulations need to be further improved; the risk management consciousness of the parent company is weak and the risk control system is not perfect; the market of self-insurance and the scale of self-insurance companies are limited in our country; Self-insurance talent shortage, service system is not perfect. Then it puts forward the following suggestions: perfecting the regulations and provisions of professional self-insurance companies in China; relaxing the market access mechanism, introducing preferential tax and fee policies; enhancing the risk management level of parent companies and strengthening the supervision of professional self-insurance companies; constructing a professional self-insurance talent system. To improve the quality of self-insurance service, to perfect the financial management system of professional self-insurance company, to optimize the development mode of self-insurance and reinsurance, and to reduce the risk of self-preservation reasonably. Hope to take this as an opportunity to promote the development of professional self-insurance companies on the right track.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3
本文编号：2136923
[Abstract]:After more than 30 years' development, the insurance industry of our country has formed a market system, which is dominated by state-owned holding insurance companies, supplemented by commercial insurance companies and Sino-foreign joint venture insurance companies, and has broken the pattern of long-term monopoly of state-owned insurance companies. Even so, the development and reform of China's insurance market still lags far behind the development of various industries and the demand for insurance. Especially in recent years, with the unprecedented improvement of risk management awareness of large and medium-sized enterprises in China, the traditional risk transfer methods in the insurance market can no longer meet the existing risk management needs, and the emergence of professional self-insurance companies has effectively solved the above problems. As a management method of risk retention, professional self-insurance company is an effective supplement to the traditional insurance market. Its advantages lie in expanding the scope of insurance, saving costs, reducing the tax burden of the parent company, and strengthening enterprise risk management. Be able to choose the appropriate risk protection model for large and medium-sized enterprise groups. In the international insurance market, professional self-insurance has developed into a mature form of insurance, but it is just in its infancy in China. Therefore, it is urgent to study the development situation of professional self-insurance companies in China and put forward effective countermeasures for them. On the basis of previous related research, this paper uses literature research method, analysis comparison and empirical analysis, expounds the definition of professional self-insurance company and its applicable scope, and analyzes the development of professional self-insurance company in China by using SWOT analysis model. The necessity of developing professional self-insurance companies in China is explained from many aspects, such as promoting the diversification of insurance modes, enhancing the competitiveness of insurance market and meeting the demand of insurance market. On the basis of in-depth analysis of the development course of self-insurance in China, we actively draw lessons from the development experience of international self-insurance market, professional self-insurance company and Hong Kong National Offshore Oil Insurance Co., Ltd. It is found that the following problems exist in the development of professional self-insurance companies in China: the relevant domestic laws and regulations need to be further improved; the risk management consciousness of the parent company is weak and the risk control system is not perfect; the market of self-insurance and the scale of self-insurance companies are limited in our country; Self-insurance talent shortage, service system is not perfect. Then it puts forward the following suggestions: perfecting the regulations and provisions of professional self-insurance companies in China; relaxing the market access mechanism, introducing preferential tax and fee policies; enhancing the risk management level of parent companies and strengthening the supervision of professional self-insurance companies; constructing a professional self-insurance talent system. To improve the quality of self-insurance service, to perfect the financial management system of professional self-insurance company, to optimize the development mode of self-insurance and reinsurance, and to reduce the risk of self-preservation reasonably. Hope to take this as an opportunity to promote the development of professional self-insurance companies on the right track.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3
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