发达国家保险公司破产原因及对我国的启示  

作　　者：王少群[1] 

机构地区：[1]天津大学管理学院,天津300072

出　　处：《保险研究》2007年第8期47-50,共4页Insurance Studies

摘　　要：保险公司破产会造成很大的危害。本文列举了发达国家部分保险公司破产的案例,分析了其破产原因,对照中国保险业发展情况进行了比较。结论指出,虽然目前中国还没有保险公司破产的案例,但定价过低、投资风险加大、业务发展过快、再保险能力弱、过度依赖中介等导致保险公司破产的主要风险在我国也普遍存在,某些风险相对偏高。建议通过采取费率管制,推动保险资金专业化运用,限制投资比例,支持保险公司上市,增强再保险能力,规范中介机构,强化保险公司信息披露等一系列措施,降低我国保险公司的破产风险。Insurance company bankruptcy is very harmful. This article analyzed reasons for insurance company bankruptcy in developed countries through case study and compared it with the situations of China＇s insurance industry. It pointed that out under-pricing, rapid business expansion, investment risks, weak reinsurance capability, overdependence on intermediaries were major reasons which led to failures of insurance companies. Although there is so far no insurance company bankruptcy in China, the risks mentioned above are in existence and some of them are serious. Hence, in order to reduce the insolvency risk of insurance companies, a series of measures should be adopted, including premium rate control, investment specialization, investment limits, public listing of insurers, improving reinsurance capacity, proper management of intermediaries, enhancing information disclosure and so on.

关 键 词：保险公司 破产倒闭 风险准备金 

分 类 号：F840.32[经济管理—保险]