保险公司分支机构合规管理评价体系构建研究  

Research on the Assessment System of Compliance Management of Insurance Company Branches

作　　者：岳志军 周述文 周璐 

机构地区：[1]中国银行保险监督管理委员会四川保监局

出　　处：《金融监管研究》2018年第7期71-81,共11页Financial Regulation Research

摘　　要：随着"偿二代"监管的实施,保险总公司合规风险被纳入综合风险评级中;而保险分支机构是负债端市场行为的主要参与者,如何通过有效的合规管理促使后者提高经营行为的合规性,是理论和监管实践中亟待探讨解决的问题。本文以保险分支机构合规管理评价体系为主要研究对象,采用调研走访、数据统计、文献研究、经验总结等研究方法,对S省保险分支机构合规管理现状进行了调查研究,在此基础上,论证了建立保险分支机构合规管理评价体系的必要性,总结了保险分支机构合规管理风险节点,提炼了合规管理评价指标并确定其权重,构建起保险分支机构合规管理评价体系。最后,本文结合监管工作实际,对合规管理评价的结果运用提出了具体建议。With the implementation of the China Risk Oriented Solvency System, the compliance risk of insurance companies is included in the Insurance Company＇s Comprehensive Risk Assessment. The branches of insurance companies are the main participants in the indebtedness market. How to improve the compliance of business behaviors through effective compliance management is needed to be discussed and solved in the theory and regulatory practice. Taking the assessment system of compliance management of insurance branches as the main research object, this paper investigates and studies the current situation of compliance management of insurance branches in S province by using the research methods such as investigation and visiting, data statistics, literature research and experience summary. On this basis, the paper demonstrates the necessity of establishing an assessment system of compliance management for insurance companies branches, summarizes the main risks of the compliance management, refines the assessment indicators along with their weights, and constructs a compliance management assessment system for the insurance company branches. Finally, combined with the regulatory experiences, this paper proposes specific suggestions on the application of assessment results of the compliance management.

关 键 词：保险公司 合规风险 风险管理 评价体系 

分 类 号：F840.3[经济管理—保险] F842.3