保险助力消费金融的效能、现状及优化策略  

Efficiency,Actuality and Optimization Strategy of Insurance Assisting Consumer Finance

作　　者：林慰曾 LIN Weizeng(School of Law,Xiamen University,Xiamen,Fujian 361005)

机构地区：[1]厦门大学法学院,福建厦门361005

出　　处：《上海立信会计金融学院学报》2022年第1期16-28,共13页Journal of Shanghai Lixin University of Accounting and Finance

基　　金：国家社会科学基金重大项目[20(VHJ007)]。

摘　　要：理论上,保险助力消费金融的组合形式能够充分发挥二者的资源禀赋优势,以合理搭配的金融结构深化金融助贷与创新业务,实现市场化的风险出清。实践中,保险以信用增信、场景助力和资本支持的业务模式融入消费金融行业。然而,由于前端金融机构怠于履行风险管控的职责,后端的保险机构往往沦为了坏账的最终承担者,保险与消费金融的结合出现了损害金融消费者权益的业务竞次和逐底竞争现象,具有风险外溢、监管套利和不当营销的矛盾。保险在消费金融行业中不应也无力承担风险兜底的角色,因此,监管者需要针对风险控制、提示和救济作出精细化的安排,明确禁止风险管控的搭便车行为,优化既有的信息披露和执行衔接机制,以公力救济的形式实现风险的靶向治理。Theoretically,the combination of insurance and consumer finance can give full play to their resource endowment advantages,and deepen financial lending assistance and innovation business with a reasonable financial structure,so as to realize market-oriented risk clearing.In practice,insurance is integrated into the consumer finance industry with a business model of credit enhancement,scenario assistance and capital support.However,due to the front-line financial institutions are lazy to perform their risk control responsibilities,the back-line insurance institutions often become the ultimate undertaker of bad debts.The combination of insurance and consumer finance has caused business competition and race to the bottom that damage the rights and interests of financial consumers,with the contradictions of Risk Spillover,regulatory arbitrage and improper marketing.Insurance in the consumer finance industry should not and cannot afford to play the role of risk disclosure.Therefore,regulators need to make detailed arrangements for risk control,notice and remedies,clearly prohibit free riding in risk control,optimize the existing information disclosure and implementation linkage mechanism,and achieve targeted governance of risks in the form of public relief.

关 键 词：保险 消费金融 最优金融结构 逐底竞争 风险控制 

分 类 号：F832.39[经济管理—金融学] F840