论保险控股(集团)公司效益与风险管理  

Profitability and risk management of insurance holding companies

作　　者：江生忠[1] 薄滂沱[1] 

机构地区：[1]南开大学风险管理与保险学系,天津300071

出　　处：《保险研究》2008年第4期41-47,共7页Insurance Studies

基　　金：中国自然科学基金委员会资助;项目批准号(70673043)。

摘　　要：保险控股(集团)公司的传统效益包括规模经济和范围经济,我国保险控股(集团)公司不仅要发挥传统效益,而且更重要的是要发挥资本运作的效益。保险控股(集团)公司在发挥优势的同时也伴随着风险的产生,其特有风险包括内部交易风险、资本重复使用风险、不透明结构风险和利益冲突风险。国家应通过立法的形式,解决保险控股(集团)公司的法律地位问题,为其发展创造一个良好的外部环境;监管机构应积极研究和创新监管手段和监管模式,以防范保险控股(集团)公司可能带来的过高的风险;保险控股(集团)公司应该发挥自身优势,充分做好资源整合工作,坚持集团化发展战略,同时,应完善公司治理结构,加强内部控制,切实突出风险管理的地位和作用,保证集团的健康发展。Traditionally, insurance holding companies＇ profitability refers to their economy of scale and economy of scope, Chinese insurance holding companies should not only fully mobilize their traditional sense of profitability, even more importantly, they should utilize their strong advantages in capital operation. However, while doing so, they will inevitably incur risks. Their unique risks include internal transaction risk, capital overlapping usage of risk, non-transparent structural risks and conflict of interests risk. The country should solve the issue of insurance holding company＇s legal position through legislation and create a favorable external environment for its development, The relevant regulator should actively research on and innovate their regulatory measures and models to guard against insurance holding companies taking on unduly high risks. Insurance holding companies should fully utilize their advantages, consolidate their internal resources, follow the group development strategy, enhance corporate governance, strengthen intornal control and highlight the importance of risk management in order to maintain their healthy development.

关 键 词：保险控股公司 资本运作 资本控制 风险管理 

分 类 号：F840.32[经济管理—保险]