【摘要】：在整個(gè)經(jīng)濟(jì)體制改革的背景下,為了實(shí)現(xiàn)保險(xiǎn)市場(chǎng)價(jià)格發(fā)現(xiàn)功能以及市場(chǎng)化進(jìn)程,費(fèi)率市場(chǎng)化是我國(guó)保險(xiǎn)業(yè)正在進(jìn)行的一項(xiàng)重要改革。費(fèi)率市場(chǎng)化改革本質(zhì)是將保險(xiǎn)費(fèi)率制定權(quán)由保險(xiǎn)監(jiān)管機(jī)構(gòu)轉(zhuǎn)交給保險(xiǎn)公司,充分發(fā)揮保險(xiǎn)公司在費(fèi)率制定中的自主權(quán)。 但是,在費(fèi)率制定上的放權(quán)并不能代表保險(xiǎn)監(jiān)管的放松。由于費(fèi)率市場(chǎng)化改革中,微觀主體保險(xiǎn)公司在市場(chǎng)定價(jià)中有了更大的權(quán)利,同時(shí)也面臨了更大的風(fēng)險(xiǎn)：市場(chǎng)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)以及償付能力風(fēng)險(xiǎn)。從費(fèi)率市場(chǎng)化的國(guó)際經(jīng)驗(yàn)來(lái)看,費(fèi)率市場(chǎng)化改革中保險(xiǎn)公司將會(huì)更容易出現(xiàn)因償付能力不足而出現(xiàn)的破產(chǎn)情形。因此,費(fèi)率市場(chǎng)化中不是應(yīng)該放松保險(xiǎn)監(jiān)管,相反,正是要更加有效的對(duì)保險(xiǎn)公司、以及保險(xiǎn)行業(yè)進(jìn)行監(jiān)管。 本文從監(jiān)管目的出發(fā),結(jié)合我國(guó)現(xiàn)行保險(xiǎn)監(jiān)管制度和政策,從宏觀和微觀兩個(gè)視角提出費(fèi)率市場(chǎng)化改革中現(xiàn)行保險(xiǎn)監(jiān)管可能存在的不足或漏洞,進(jìn)一步提出相關(guān)保險(xiǎn)監(jiān)管政策建議。
[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.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.3

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本文編號(hào)：2224740