基于保险费率市场化视角下保险监管分析
发布时间：2018-09-05 15:50
【摘要】：在整个经济体制改革的背景下,为了实现保险市场价格发现功能以及市场化进程,费率市场化是我国保险业正在进行的一项重要改革。费率市场化改革本质是将保险费率制定权由保险监管机构转交给保险公司,充分发挥保险公司在费率制定中的自主权。 但是,在费率制定上的放权并不能代表保险监管的放松。由于费率市场化改革中,微观主体保险公司在市场定价中有了更大的权利,同时也面临了更大的风险：市场风险、信用风险、操作风险以及偿付能力风险。从费率市场化的国际经验来看,费率市场化改革中保险公司将会更容易出现因偿付能力不足而出现的破产情形。因此,费率市场化中不是应该放松保险监管,相反,正是要更加有效的对保险公司、以及保险行业进行监管。 本文从监管目的出发,结合我国现行保险监管制度和政策,从宏观和微观两个视角提出费率市场化改革中现行保险监管可能存在的不足或漏洞,进一步提出相关保险监管政策建议。
[Abstract]:Under the background of the reform of the whole economic system, in order to realize the function of price discovery in the insurance market and the marketization process, the marketization of the premium rate is an important reform of the insurance industry in our country. The essence of rate marketization reform is to give full play to the autonomy of insurance companies in the process of rate setting by transferring the right to establish premium rates from insurance regulatory agencies to insurance companies. However, the rate-setting on the delegation of authority does not represent the relaxation of insurance regulation. Due to the marketization of the rates, the micro-insurance companies have more rights in the market pricing, but also face greater risks: market risk, credit risk, operational risk and solvency risk. From the international experience of rate marketization, insurance companies will be more prone to bankruptcy due to insufficient solvency in the reform of rate marketization. Therefore, the rate market should not relax insurance regulation, on the contrary, it is to more effective regulation of insurance companies, as well as the insurance industry. Starting from the aim of supervision and combining with the current insurance supervision system and policy in China, this paper puts forward the shortcomings or loopholes of the current insurance supervision in the reform of the marketization of the rates from the macro and micro perspectives. Further put forward the relevant insurance regulatory policy recommendations.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3
本文编号：2224740
[Abstract]:Under the background of the reform of the whole economic system, in order to realize the function of price discovery in the insurance market and the marketization process, the marketization of the premium rate is an important reform of the insurance industry in our country. The essence of rate marketization reform is to give full play to the autonomy of insurance companies in the process of rate setting by transferring the right to establish premium rates from insurance regulatory agencies to insurance companies. However, the rate-setting on the delegation of authority does not represent the relaxation of insurance regulation. Due to the marketization of the rates, the micro-insurance companies have more rights in the market pricing, but also face greater risks: market risk, credit risk, operational risk and solvency risk. From the international experience of rate marketization, insurance companies will be more prone to bankruptcy due to insufficient solvency in the reform of rate marketization. Therefore, the rate market should not relax insurance regulation, on the contrary, it is to more effective regulation of insurance companies, as well as the insurance industry. Starting from the aim of supervision and combining with the current insurance supervision system and policy in China, this paper puts forward the shortcomings or loopholes of the current insurance supervision in the reform of the marketization of the rates from the macro and micro perspectives. Further put forward the relevant insurance regulatory policy recommendations.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3
【参考文献】
相关期刊论文 前3条
1 牛播坤;;美国保险监管体系改革主基调:整合而非取代[J];中国金融;2010年01期
2 李文中;;寿险费率市场化改革评析[J];中国保险;2013年09期
3 焦扬;;车险费率市场化改革的影响及对策[J];中国金融;2013年19期
，本文编号：2224740
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2224740.html
