摘要
保险保障基金是由保险公司缴纳形成,在保险公司被撤销、被宣告破产等情形下,用于向保单持有人或者保单受让公司等提供救济的法定基金。2005年初,我国《保险保障基金管理办法》正式施行,但运营和收缴的理论与实践依据并不相当充分。当前我国保险保障基金的理论研究最为重要的内容应是最优规模问题。在实践中,应通过系统地研究保险保障基金的来源、征收、规模、运用等各方面的内容,提供有关上述内容的科学依据与政策建议,从而有利于完善中国保监会制定的《保险保障基金管理办法》,完善我国保险保障基金制度,促进保险业的健康发展。
Insurance guaranty fund is the statutory payment from insurance firms and is used for providing relief to policyholders or transferee companies when an insurance company is repealed or declared bankrupt. The ＂Administrative Provisions on Insurance Guaranty Fund＂ was implemented from the beginning of 2005. But the theories and practices regarding its operation and guarantee fund collection are not well based. Currently, the most important theoretical research on the fund is to study its optimal scale. We should systematically study the sources, collection, size, utilization of the insurance guarantee fund, and provide suggestions and scientific basis for it. This will be conducive to improving on the ＂Administrative Provisions on Insurance Guaranty Fund＂ promulgated by the CIRC, perfecting the insurance guarantee fund system, and promote a healthy development of the insurance industry.
出处
《保险研究》
CSSCI
北大核心
2007年第9期3-6,48,共5页
Insurance Studies
基金
中国自然科学基金委员会资助
项目批准号(70673043)
关键词
保险保障基金
筹集与运用
最优规模
insurance guaranty fund
fund raising and expenditure
optimal scale
作者简介
江生忠，教授，博士生导师，南开大学经济学院风险管理与保险学系主任，中国保险学会常务理事，中国金融学会常务理事；
邵全权，南开大学经济学院风险管理与保险学系博士生；
何佳，南开大学经济学院风险管理与保险学系硕士生。
