保险公司风险处置制度新近发展及借鉴  

The Recent Developments and Implications of Resolution of Insolvent Insurers

作　　者：苏洁澈 SU Jieche

机构地区：[1]浙江工商大学法学院 [2]浙江工商大学破产重组研究院

出　　处：《上海政法学院学报（法治论丛）》2024年第6期1-19,共19页Journal of Shanghai University of Political Science & Law(The Rule of Law Forum)

摘　　要：司法机关主导的普通公司破产程序难以有效处置陷入困境的保险公司,普通公司破产的启动标准、实体性和程序性的规则妨碍了快速处置风险。普通公司破产规则难以从宏观层面处置破产保险公司可能引发的系统性风险。为保险公司建立特殊的风险处置规则已经成为国际性的立法趋势,特殊风险处置制度由处置机关主导风险处置程序,建立“强制自救”、资产与债务剥离、桥保险公司等处置措施,赋予处置机关广泛的处置权以维持金融稳定。我国当前保险公司风险处置立法存在着碎片化的倾向,缺乏统一的处置理念和必要的工具。建立体系化的保险公司特殊风险处置制度有利于处置保险公司风险。我国应以当前修法为契机,建立多元化的处置措施,赋予处置机关必要的处置权限以实现金融稳定。The general corporate insolvency procedures controlled by judicial authorities are difficult to effectively deal with insolvent insurer.The initiation tests,substantive and procedural rules of general company bankruptcies hinder the rapid disposal of risks.These rules are also inadequate for managing the systemic risks that may arise from the insolvent insurer at the macro level.There is a growing international legislative trend towards establishing special resolution regimes for insurer.These special resolution regimes are controlled by resolution authorities and have established measures such as bail-in,asset and liability separation,bridge insurance company.Special resolution regimes grant extensive resolution powers to the authorities to maintain financial stability.Currently,resolution rules for insolvent insurer in China are fragmented,lacking a unitary resolution philosophy and necessary tools.Establishing a special resolution regime for problem insurers is conducive to handling the risks arising from insurance industry.China should take the current legal revision as an opportunity to establish multiple resolution measures and grant resolution authorities necessary power to achieve financial stability.

关 键 词：特殊处置程序 强制自救 保单持有人 桥保险公司 处置权 处置规则 

分 类 号：DF0-052[政治法律—法学理论]