我国保险业系统性风险防范机制研究

发布时间：2018-11-12 20:30

【摘要】：金融危机的爆发，给世界各国都带来了巨大的冲击，引发了人们对金融监管模式的进一步思考。后危机时代，各国都在积极的推进金融监管的创新，重点是针对系统性风险监管的创新，从而寻求国际经济发展的新秩序。在保险领域，作为非存款类金融机构，保险业正在不断发展壮大，其在金融体系乃至整个经济运行体系中的地位日益提高。当今，由于我国保险业的开放力度不断加大、市场化程度不断提高，加剧了保险市场的竞争程度，从而使我国保险业面临的国内以及国际不确定性因素进一步增加。因此，提升保险业的风险管理水平，尤其是系统性风险的管理水平，已经成为当今保险业面临的重要课题之一。目前，国内外的研究所提出的系统性风险的防范措施主要针对银行业和资本市场，或整个金融体系，，而对于保险业的系统性风险的研究很少。文章参照欧盟和美国的保险业系统性风险防范机制，构建了我国保险业系统性风险预警指标体系，它能够帮助识别保险业的风险等级，从而使保险公司和监管机构能够及时加以应对。本文一共分为四个部分。第一部分，主要介绍了金融危机对保险业系统性风险防范机制的挑战，为文章的研究提供了现实的必要性；第二部分，主要论述了我国保险业系统性风险的现状，并对我国保险业系统性风险防范机制所处的状态进行了分析，为我国保险业系统性风险防范机制的完善提供了事实依据；第三部分，以欧盟和美国为例，介绍了国外保险业系统性风险防范机制，为我国保险业系统性风险机制的完善提供了依据；第四部分从财务角度和非财务角度两个方面出发，建立我国的保险业风险预警指标体系，对我国保险业面临的风险状况进行判断，从而完善我国保险业系统性风险防范机制。
[Abstract]:The outbreak of financial crisis has brought great impact to all countries all over the world, which has aroused people's further thinking on the mode of financial supervision. In the post-crisis era, all countries are actively promoting the innovation of financial supervision, focusing on the innovation of systemic risk regulation, so as to seek a new order of international economic development. In the field of insurance, as a non-deposit financial institution, the insurance industry is developing and expanding, and its position in the financial system and even in the whole economic operation system is increasing day by day. Nowadays, the degree of competition in the insurance market has been intensified because of the increasing opening and marketization of the insurance industry in our country, which makes the domestic and international uncertain factors of the insurance industry in our country further increase. Therefore, improving the risk management level of insurance industry, especially the management level of systemic risk, has become one of the important topics facing the insurance industry. At present, the preventive measures of systemic risk put forward by domestic and foreign research are mainly aimed at banking and capital market, or the whole financial system, but there is little research on systemic risk of insurance industry. Referring to the insurance systemic risk prevention mechanism of the European Union and the United States, this paper constructs an early warning index system of insurance systemic risk in our country, which can help to identify the risk level of the insurance industry. This enables insurance companies and regulators to respond in a timely manner. This paper is divided into four parts. The first part mainly introduces the financial crisis to the insurance industry systematic risk prevention mechanism challenge, has provided the realistic necessity for the article research; The second part, mainly discusses the present situation of the insurance industry systematic risk in our country, and analyzes the state of the insurance industry systematic risk prevention mechanism of our country, which provides the factual basis for the perfection of the insurance industry systematic risk prevention mechanism of our country; The third part, taking the European Union and the United States as an example, introduces the system risk prevention mechanism of foreign insurance industry, which provides the basis for the improvement of the insurance systemic risk mechanism of our country. The fourth part starts from the financial angle and the non-financial angle, establishes our country insurance industry risk early warning index system, carries on the judgment to our country insurance industry to face the risk condition, thus consummates our country insurance industry systematic risk prevention mechanism.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842

【参考文献】