我国保险业高质量发展视角下自保业的创新实践与困境挑战  

Innovative Practice and Challenges of China's Captive Insurance Industry in the Context of High Quality Development of Insurance

作　　者：周玉华 Zhou Yu-hua(Law School,Beijing Foreign Studies University,Beijing,100089,China)

机构地区：[1]北京外国语大学法学院,北京100089

出　　处：《福建金融管理干部学院学报》2024年第4期29-38,共10页Journal of Fujian Institute of Financial Administrators

基　　金：教育部人文社科基金规划项目“民法典实施背景下保险法的变更与重述”(23YJA820035)。

摘　　要：在传统商业保险市场核保条件越来越严苛的背景下,中国自保业对促进中国企业市场化经营、标准化运作、专业化风控,为中国式现代化高质量发展提供保险支持作出巨大贡献。本文在探讨国际主要自保类型和运作模式,对比世界各主要自保注册地监管政策的基础上,指出我国自保业存在型态单一,准入门槛极高、业务范围狭窄、成本优势不明显、内部治理欠规范等问题。这些问题严重制约着我国自保业的发展,为此针对性地提出了建构我国独具特色的自保中心、降低自保行业准入门槛,完善相关保险监管法治等意见和建议。Faced with increasingly stringent underwriting conditions in the traditional commercial insurance market,China's captive insurance industry makes a great contribution to promoting the market-oriented operation,standardized operation and professional risk control of Chinese enterprises,and provides insurance force for the construction of high-quality development of Chinese path to modernization.The research explores the main types and operational models of captive insurance in the world,and compares the regulatory policies of major captive insurance registration places around the world.Based on this,it points out that China's captive insurance industry has problems such as a single form,extremely high entry barriers,narrow business scope,unclear cost advantages,and lack of internal governance norms.These issues seriously constrain the development of China's captive insurance industry.In response,suggestions are proposed to establish China’s own captive insurance center,relax the entry barriers for the captive insurance industry,and improve the relevant insurance regulatory rule of law.

关 键 词：自保 替代性风险移转方法 自保注册地 自保中心 

分 类 号：F842[经济管理—保险]