混业环境中保险业的发展对策研究

内容摘要：金融混业环境中需要通过强化风险管理意识、加强政府监管及企业文化建设来应对保险业所面临的前所未有的特殊风险。本文立足于在经济全球化的大背景下，由于金融业的国际竞争变得尤为激烈，金融机构之间通过不断的兼并与重组，组成综合性的金融集团，加之各主要发达国家先后通过立法的形式确立了混业经营的体制，全球混业环境得以形成。在混业环境中，一方面对保险业的发展起到了促进作用，表现为降低运行成本、发挥品牌优势、创新与发展及实现范围经济和规模经济。另一方面也带来了混业环境中尤为明显和严重的关联交易风险、系统性风险、利益冲突风险及监管风险。针对保险业所面临的挑战，保险机构应加强风险管理意识，同时通过加强政府的监管来减少监管风险和关联交易风险，注意对正常合理关联交易的支持。通过加强企业文化建设，用坚持以客户利益为中心的理念来应对金融集团和客户之间的利益冲突风险。以及运用整合性风险管理等方式来尽量避免系统性风险。

关键词：金融混业环境，金融综合集团，风险管理

Development Strategies for the insurance industry in the Combined Financial Services environment
Abstract：Combined Financial Services environment through the strengthening of risk management awareness, and strengthen government regulation and the building of enterprise culture to respond to the special risks insurance industry faces unprecedented. Based on the backdrop of economic globalization, has become particularly intense international competition in the financial industry, financial institutions through mergers and restructuring to form a comprehensive financial group, in addition to the major developed countries have passed legislation the form of established mixed operation of the system, formed in Global. In a mixed business environment, on the one hand, the development of the insurance industry has played a catalytic role, manifested as lower operating costs, play a brand of innovation and development and to achieve economies of scope and economies of scale. On the other hand, it also brings a mixed business environment is particularly obvious and serious risk of related party transactions, systemic risk, the risk of conflict of interest and regulatory risks. The challenge for the insurance industry, insurance institutions should strengthen awareness of risk management, by strengthening government supervision to reduce the risk of regulatory risks and related strengthening government supervision to reduce the risk of regulatory risks and related party transactions, pay attention to the support of the normal and reasonable related party transactions. By strengthening the building of enterprise culture, adhere to the interests of customers as the center of the concept to deal with the risk of conflicts of interest between financial groups and customers. And the use of integrated risk management approach to try to avoid systemic risk.

Key words：combined financial services environment，financial consolidation group，risk management

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