国际保险业的“非相互化”:动因、影响及借鉴  

Demutualization of International Insurance Industry: Motivations,Influences and Implications for China

作　　者：何小伟[1] 闫晓旭[1] 

机构地区：[1]对外经济贸易大学保险学院,北京100029

出　　处：《保险研究》2016年第5期3-12,共10页Insurance Studies

摘　　要：近30年来,西方发达国家的保险业出现了"非相互化"的趋势,许多传统的相互保险公司在组织形式上先后转变为股份制保险公司。从动因来看,"非相互化"趋势是相互保险公司内外部多种因素共同作用的结果。"非相互化"对保险公司的经营绩效和国际市场格局产生了影响,但是对保单持有人的影响不大。"非相互化"并非意味着相互制组织形式行将"终结",相互制组织形式仍然有着顽强的生命力。我国已经具备了适时、适度放开相互保险市场准入的条件,监管机构应在相互保险的公司治理、业务领域、退出机制、保单持有人权益保护等方面对现有规则进行完善。The past 30 years have witnessed the demutualization trend in the insurance industry among western de- veloped countries. Many traditional mutual insurance companies have converted themselves to shareholding corpo- rates. The demutualization is motivated by internal and external factors. Demutualization has impacts on the operating performance of the converting insurance companies and the international market structure, but little impact on policyholders. Demutualization doesn＇ t mean the mutual organizational form is about to end. Mutual organizational form still has a strong vitality. As the conditions get matured, China should open up the access to the mutual insurance market timely and appropriately. And CIRC should improve the existing rules in the aspects of mutual insurance company governance, business scope, exit mechanism, policyholders＇rights protection and so on.

关 键 词：相互保险 非相互化 借鉴 

分 类 号：F840.31[经济管理—保险]