我國保險業(yè)系統(tǒng)性風險防范機制研究
發(fā)布時間：2018-11-12 20:30
【摘要】：金融危機的爆發(fā)，給世界各國都帶來了巨大的沖擊，引發(fā)了人們對金融監(jiān)管模式的進一步思考。后危機時代，各國都在積極的推進金融監(jiān)管的創(chuàng)新，重點是針對系統(tǒng)性風險監(jiān)管的創(chuàng)新，從而尋求國際經(jīng)濟發(fā)展的新秩序。在保險領(lǐng)域，作為非存款類金融機構(gòu)，保險業(yè)正在不斷發(fā)展壯大，其在金融體系乃至整個經(jīng)濟運行體系中的地位日益提高。當今，由于我國保險業(yè)的開放力度不斷加大、市場化程度不斷提高，加劇了保險市場的競爭程度，從而使我國保險業(yè)面臨的國內(nèi)以及國際不確定性因素進一步增加。因此，提升保險業(yè)的風險管理水平，尤其是系統(tǒng)性風險的管理水平，已經(jīng)成為當今保險業(yè)面臨的重要課題之一。 目前，國內(nèi)外的研究所提出的系統(tǒng)性風險的防范措施主要針對銀行業(yè)和資本市場，或整個金融體系，，而對于保險業(yè)的系統(tǒng)性風險的研究很少。文章參照歐盟和美國的保險業(yè)系統(tǒng)性風險防范機制，構(gòu)建了我國保險業(yè)系統(tǒng)性風險預(yù)警指標體系，它能夠幫助識別保險業(yè)的風險等級，從而使保險公司和監(jiān)管機構(gòu)能夠及時加以應(yīng)對。 本文一共分為四個部分。第一部分，主要介紹了金融危機對保險業(yè)系統(tǒng)性風險防范機制的挑戰(zhàn)，為文章的研究提供了現(xiàn)實的必要性；第二部分，主要論述了我國保險業(yè)系統(tǒng)性風險的現(xiàn)狀，并對我國保險業(yè)系統(tǒng)性風險防范機制所處的狀態(tài)進行了分析，為我國保險業(yè)系統(tǒng)性風險防范機制的完善提供了事實依據(jù)；第三部分，以歐盟和美國為例，介紹了國外保險業(yè)系統(tǒng)性風險防范機制，為我國保險業(yè)系統(tǒng)性風險機制的完善提供了依據(jù)；第四部分從財務(wù)角度和非財務(wù)角度兩個方面出發(fā)，建立我國的保險業(yè)風險預(yù)警指標體系，對我國保險業(yè)面臨的風險狀況進行判斷，從而完善我國保險業(yè)系統(tǒng)性風險防范機制。
[Abstract]:The outbreak of financial crisis has brought great impact to all countries all over the world, which has aroused people's further thinking on the mode of financial supervision. In the post-crisis era, all countries are actively promoting the innovation of financial supervision, focusing on the innovation of systemic risk regulation, so as to seek a new order of international economic development. In the field of insurance, as a non-deposit financial institution, the insurance industry is developing and expanding, and its position in the financial system and even in the whole economic operation system is increasing day by day. Nowadays, the degree of competition in the insurance market has been intensified because of the increasing opening and marketization of the insurance industry in our country, which makes the domestic and international uncertain factors of the insurance industry in our country further increase. Therefore, improving the risk management level of insurance industry, especially the management level of systemic risk, has become one of the important topics facing the insurance industry. At present, the preventive measures of systemic risk put forward by domestic and foreign research are mainly aimed at banking and capital market, or the whole financial system, but there is little research on systemic risk of insurance industry. Referring to the insurance systemic risk prevention mechanism of the European Union and the United States, this paper constructs an early warning index system of insurance systemic risk in our country, which can help to identify the risk level of the insurance industry. This enables insurance companies and regulators to respond in a timely manner. This paper is divided into four parts. The first part mainly introduces the financial crisis to the insurance industry systematic risk prevention mechanism challenge, has provided the realistic necessity for the article research; The second part, mainly discusses the present situation of the insurance industry systematic risk in our country, and analyzes the state of the insurance industry systematic risk prevention mechanism of our country, which provides the factual basis for the perfection of the insurance industry systematic risk prevention mechanism of our country; The third part, taking the European Union and the United States as an example, introduces the system risk prevention mechanism of foreign insurance industry, which provides the basis for the improvement of the insurance systemic risk mechanism of our country. The fourth part starts from the financial angle and the non-financial angle, establishes our country insurance industry risk early warning index system, carries on the judgment to our country insurance industry to face the risk condition, thus consummates our country insurance industry systematic risk prevention mechanism.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842
本文編號：2328135
[Abstract]:The outbreak of financial crisis has brought great impact to all countries all over the world, which has aroused people's further thinking on the mode of financial supervision. In the post-crisis era, all countries are actively promoting the innovation of financial supervision, focusing on the innovation of systemic risk regulation, so as to seek a new order of international economic development. In the field of insurance, as a non-deposit financial institution, the insurance industry is developing and expanding, and its position in the financial system and even in the whole economic operation system is increasing day by day. Nowadays, the degree of competition in the insurance market has been intensified because of the increasing opening and marketization of the insurance industry in our country, which makes the domestic and international uncertain factors of the insurance industry in our country further increase. Therefore, improving the risk management level of insurance industry, especially the management level of systemic risk, has become one of the important topics facing the insurance industry. At present, the preventive measures of systemic risk put forward by domestic and foreign research are mainly aimed at banking and capital market, or the whole financial system, but there is little research on systemic risk of insurance industry. Referring to the insurance systemic risk prevention mechanism of the European Union and the United States, this paper constructs an early warning index system of insurance systemic risk in our country, which can help to identify the risk level of the insurance industry. This enables insurance companies and regulators to respond in a timely manner. This paper is divided into four parts. The first part mainly introduces the financial crisis to the insurance industry systematic risk prevention mechanism challenge, has provided the realistic necessity for the article research; The second part, mainly discusses the present situation of the insurance industry systematic risk in our country, and analyzes the state of the insurance industry systematic risk prevention mechanism of our country, which provides the factual basis for the perfection of the insurance industry systematic risk prevention mechanism of our country; The third part, taking the European Union and the United States as an example, introduces the system risk prevention mechanism of foreign insurance industry, which provides the basis for the improvement of the insurance systemic risk mechanism of our country. The fourth part starts from the financial angle and the non-financial angle, establishes our country insurance industry risk early warning index system, carries on the judgment to our country insurance industry to face the risk condition, thus consummates our country insurance industry systematic risk prevention mechanism.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842
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