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在经济全球化背景下,企业规模的扩大使得风险日益集中,对风险管理提出了新的要求。风险自留和转移是企业常用的风险处置方式,其中,风险自留能以较低成本满足企业的风险管理需求,形成良性的内部激励降低风险水平,是常用的风险管理机制。长期以来,我国企业通常采取设立自保基金或参加行业互助的方式进行自保。2013年10月,随着中国内地第一家专属保险公司——中石油专属保险公司的试运行,专属保险公司这种新的风险管理模式开始引起我国各界的关注。专属保险公司是由非保险行业的企业设立、拥有或控制,为母公司及附属公司提供风险管理服务的独立
In the context of economic globalization, the expansion of the scale of enterprises has made the risks increasingly concentrated and put forward new requirements on risk management. Risk retention and transfer are commonly used risk management methods. Among them, risk retention can meet the enterprise’s risk management needs at a lower cost and form a benign internal incentive to reduce the risk level. It is a commonly used risk management mechanism. For a long time, Chinese enterprises usually adopt self-protection by setting up self-protection funds or taking part in industry mutual aid. In October 2013, with the pilot operation of the exclusive insurance company of PetroChina, the first exclusive insurance company in Mainland China, the new risk management model of the exclusive insurance company started to attract the attention of all walks of life in China. An exclusive insurance company is established, owned or controlled by a non-insurance company and provides independence for risk management services to its parent company and its subsidiaries