本文選題：保險公司治理 + 風(fēng)險承擔(dān)��； 參考：《經(jīng)濟科學(xué)》2017年02期

【摘要】：本文利用我國保險業(yè)2007-2014年公司層面的微觀數(shù)據(jù)構(gòu)建結(jié)構(gòu)方程模型(SEM),從公司治理的角度,對我國保險公司內(nèi)、外部治理機制與其風(fēng)險承擔(dān)的關(guān)系及具體作用機制進行了分析和探討。研究發(fā)現(xiàn):(1)總體上我國保險公司治理對不同類型風(fēng)險承擔(dān)的影響存在差異:保險公司治理對投資風(fēng)險產(chǎn)生正向影響,而對承保風(fēng)險產(chǎn)生負(fù)向影響;(2)具體作用機制方面,投資風(fēng)險主要受內(nèi)部治理機制的正向影響,外部機制的影響力較弱;而承保風(fēng)險同時受到內(nèi)外部機制顯著的負(fù)向影響;(3)我國保險公司內(nèi)部治理機制完善性提升,但有效性可進一步提高;而外部治理機制完善性有待提升,但已有機制有效性較好。
[Abstract]:Based on the microscopic data of Chinese insurance industry from 2007 to 2014, a structural equation model is constructed. From the perspective of corporate governance, the structure equation model is applied to domestic insurance companies.The relationship between external governance mechanism and its risk bearing and its specific mechanism are analyzed and discussed.It is found that there are differences in the influence of insurance company governance on different types of risk assumption: insurance company governance has a positive impact on investment risk, but a negative impact on underwriting risk.The investment risk is mainly influenced by the internal governance mechanism, while the external mechanism is weak, while the underwriting risk is significantly negative influenced by the internal and external mechanism) the perfection of the internal governance mechanism of the insurance company in China is improved.But the effectiveness can be further improved, while the external governance mechanism needs to be improved, but the existing mechanism is better.
【作者單位】： 北京大學(xué)經(jīng)濟學(xué)院;北京國有資本經(jīng)營管理中心;
【基金】：中國教育部重大研究課題《我國商業(yè)養(yǎng)老保險制度體系與運行機制研究》(14JZD027) 中國保險學(xué)會教保人身保險高校課題《大資管時代壽險公司資金運用的有效模式和途徑》(jiaobao2016-01)資助
【分類號】：F271;F842.4

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