摘要
监管风险是指监管机构未能实现既定监管目标的可能性。风险监管是使监管风险不超过可接受水平的实现过程。保险企业经营失败风险的不可接受性是实行保险监管的重要原因。如何避免保险企业经营失败风险及保险体系动荡风险，以确保保险业适应和满足社会经济发展的需要，是保险监管机构首先必须明确的问题，其实质也就是监管什么和如何监管的问题。确定合适的保险监管目标是做好风险监管的前提，合规性监管是风险监管的手段，督促加强企业内控、行业自律是风险监管的重要组成部分。保险监管机构必须从存在保险监管风险的客观事实出发，确立风险监管理念，增强监管科学性；加强风险监管技术创新，提高防范化解风险能力；加强监管组织体系和监管队伍建设，适应风险监管的要求。
Regulatory risk refers to the possibility that a regulatory body fails to achieve its pre-set objectives. Risk regulation is the process to prevent regulation risk going beyond the acceptable level. And the unacceptability of the insurance company failure risk is the major reason to conduct regulation on the industry. The regulator must have a clear understanding on how to avoid insurance enterprise operational failure and on the volatility risk of the insurance system to ensure the industry get adapted to and satisfy the needs of social-economic development. This is, in essence, the answer to the question of what to regulate and how to regulate. Ascertaining the target of regulation is the prerequisite of successful regulation. Compliance of regulation is the method, and urging insurers to strengthen internal control and sectoral self-discipline is an important component of risk regulation. With the existence of regulation risks, the insurance regulator should establish the risk regulation concept, enhance the technique of regulation, promote technical innovation of risk regulation to improve risk prevention and resolution capability ,and finally strength the organizational system and regulation teams in response to the requirement of risk regulation.
出处
《保险研究》
CSSCI
北大核心
2006年第12期50-53,共4页
Insurance Studies
关键词
监管风险
风险监管
监管理念
监管机制
regulatory risk
risk regulation
regulatory concepts
regulatory mechanism
