保险公司风险管理的公司法意涵  

The Meaning of Risk Management of Insurance Companies in the Context of Company Law

作　　者：邢海宝[1] XING Haibao(Law school,Renmin University of China,Beijing 100872,China)

机构地区：[1]中国人民大学法学院,北京100872

出　　处：《北京理工大学学报（社会科学版）》2024年第4期86-97,共12页Journal of Beijing Institute of Technology：Social Sciences Edition

基　　金：教育部人文社会科学重点研究基地重大项目“法治化营商环境建设法律问题研究”(22JJD820018)。

摘　　要：探讨保险公司治理中的全面风险管理及与之密切联系的组织化行为管理,将其纳入公司法及其理论的框架进行阐释。全面风险管理是法律法规和保险监管规定对内容和程序给出特别要求的管理。其与公司管理、风险管理和合规管理发生交集,应对的风险范围正在扩张。全面风险管理间接维护保险消费者利益。保险公司组织化行为管理与全面风险管理齐头并进,目标直指保险消费者保护。保险公司风险管理和组织化行为管理贯彻审慎管理和监管原则,重在抑制保险公司追求短期利益的过度冒险行为,维护保险公司的健康稳定,并保护保险消费者利益,而非防范系统性风险,维护金融体系安全。保险公司风险管理及组织化行为管理对保险公司董事义务和责任产生重大影响,对于相关规则应当给予新的解释或者予以修改完善。Comprehensive risk management and closely related organizational behavior management in insurance companies were discussed,and they were incorporated into the framework of Company Law and its theory for interpretation.Comprehensive risk management is the management for which laws,regulations,and regulatory rules make special provisions on its content and procedures.It intersects with corporate management,risk management,and compliance management,and the scope of risks it addresses is expanding.Comprehensive risk management indirectly safeguards the interests of insurance consumers.The organizational behavior management goes hand in hand with comprehensive risk management,with the direct goal of protecting insurance consumers.Risk management and organizational behavior management adhere to the principles of prudent management and supervision,with a focus on suppressing excessive risk-taking behaviors of insurance companies in pursuit of short-term benefits,maintaining the health and stability of insurance companies,and protecting the interests of insurance consumers,rather than preventing systemic risks and maintaining the security of the financial system.Risk management and organizational behavior management have a significant impact on the duties and liabilities of directors of insurance companies,and relevant rules should be given new interpretations or modified and improved.

关 键 词：全面风险管理 组织化行为管理 保险消费者 董事责任 

分 类 号：DF411.91[政治法律—经济法学] DF438.4[政治法律—法学]