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保险金融化是保险业发展的世界性趋势。承保风险增大、公众保险需求的变化、严酷的保险市场竞争是推动保险金融化的基本因素 ,金融法律制度的改革为保险金融化扫除了障碍。保险金融化的突出表现是保险具有了融资职能 ,银行和保险业一体化以及保险经营方式的证券化。我国保险业也必须走金融化的道路 ,但不能操之过急 ,应从发展资本市场、扩大寿险资金进入资本市场范围、完善保险监管制度等方面着手 ,推进保险金融化进程。
Insurance financialization is a worldwide trend in insurance development. Increased underwriting risks, changes in public insurance demand, and harsh competition in the insurance market are the basic factors driving the financialization of insurance. The reform of the financial legal system has cleared the way for insurance financialization. The outstanding performance of insurance financialization is that insurance has the function of financing, the integration of banking and insurance and the securitization of insurance management. China’s insurance industry must also take the path of financialization. However, it should not rush too quickly. The insurance financialization process should be promoted in the aspects of developing the capital market, expanding the coverage of life insurance funds into the capital market and improving the insurance regulatory system.