發(fā)布時間：2018-09-05 15:50

【摘要】：在整個經(jīng)濟(jì)體制改革的背景下,為了實現(xiàn)保險市場價格發(fā)現(xiàn)功能以及市場化進(jìn)程,費率市場化是我國保險業(yè)正在進(jìn)行的一項重要改革。費率市場化改革本質(zhì)是將保險費率制定權(quán)由保險監(jiān)管機(jī)構(gòu)轉(zhuǎn)交給保險公司,充分發(fā)揮保險公司在費率制定中的自主權(quán)。 但是,在費率制定上的放權(quán)并不能代表保險監(jiān)管的放松。由于費率市場化改革中,微觀主體保險公司在市場定價中有了更大的權(quán)利,同時也面臨了更大的風(fēng)險：市場風(fēng)險、信用風(fēng)險、操作風(fēng)險以及償付能力風(fēng)險。從費率市場化的國際經(jīng)驗來看,費率市場化改革中保險公司將會更容易出現(xiàn)因償付能力不足而出現(xiàn)的破產(chǎn)情形。因此,費率市場化中不是應(yīng)該放松保險監(jiān)管,相反,正是要更加有效的對保險公司、以及保險行業(yè)進(jìn)行監(jiān)管。 本文從監(jiān)管目的出發(fā),結(jié)合我國現(xiàn)行保險監(jiān)管制度和政策,從宏觀和微觀兩個視角提出費率市場化改革中現(xiàn)行保險監(jiān)管可能存在的不足或漏洞,進(jìn)一步提出相關(guān)保險監(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】：安徽財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.3

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相關(guān)期刊論文 前3條

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2 李文中;;壽險費率市場化改革評析[J];中國保險;2013年09期

3 焦揚;;車險費率市場化改革的影響及對策[J];中國金融;2013年19期

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本文編號：2224740