摘要
相互保险公司在国际保险市场上占有重要地位，但近年来却出现下降的趋势。我国保险业是否要引入相互制保险不能仅根据这一国际保险的现状来决策，还要考虑我国当前的保险业现实问题和保险业的外部环境。我国现阶段多种经济制度并存且地区经济发展不平衡，风险状况不同，对保险保障的需求各不相同，有建立相互保险制度的必要。经过多年的发展，我国保险业在经验、技术、组织形式、监管制度等方面也都积累了一定的经验，具备建立相互保险制度的可能性。建立相互保险制度，需进一步认清我国相互保险公司的性质，明确相互保险公司在我国保险市场中的定位，规范相互保险公司的经营。
Mutual insurance companies used to be an important form of business organization for the insurance industry in the world, but recent years have seen their importance decline continuously. However, the decision on whether the mutual insurance system should be introduced to the Chinese insurance sector should be made on the basis of the current issues faced by the sector and its external environment rather than mutual insurance companies＇ current international status. There are different types of economic systems existing in China and the level of economic development, risk exposure and demands for insurance are geographically uneven, therefore it is necessary to introduce the mutual insurance system into China. The insurance sector in China has accumulated experiences on business operation, insurance expertise, form of organization, and regulation and supervision. This makes it possible for the establishment of the mutual insurance system. As a preparation for this, we should further straighten out the nature and role of the mutual insurance system in China in order to properly operate this system.
出处
《保险研究》
CSSCI
北大核心
2006年第10期14-17,共4页
Insurance Studies
关键词
相互保险制度
相互保险公司
相互保险监管
公司特点
mutual insurance system
mutual insurance companies
regulation on mutual insurance companies
company characteristics
