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由于外资保险集团在华扩张、银行向保险行业渗透、监管机构支持,以及集团化经营显著的规模经济和范围经济效应,我国大型保险企业集团化发展速度加快,表现出了依托主业、共享资源、资本运作等特点,并且呈现出在发起设立上,由自身发起向资本并购发展;在业务领域上,由保险业务的混业经营向金融业务的混业经营发展;在集团母公司功能上,由业务经营为重点向全面管控为重点发展;在资源共享上,由简单的交叉销售向共享客户资源发展等发展趋势。针对这些发展趋势,监管层面要建立监管组织体系、完善监管制度、转变监管理念,在公司层面要突出主业、注重效益、完善治理、加强内控、整合资源。
Due to the expansion of foreign insurance groups in China, the infiltration of banks into the insurance industry, the support of regulators and the remarkable economies of scale and scope in the group operations, the development of large-scale insurance enterprises in the country is accelerating. It shows that relying on the main industry and sharing resources , Capital operation and other characteristics, and presented in the establishment of the start, initiated by itself to the capital M & A development; in the business field, from the mixed operation of insurance business to the financial business mixed operation development; in the group parent company function, Focusing on business management as the focus of overall management and control; focusing on resource sharing, from simple cross-selling to the development of shared customer resources. In response to these trends, the regulatory level should establish a regulatory organization system, improve the regulatory system, change the regulatory concept, highlight the main business at the corporate level, pay attention to efficiency, improve governance, strengthen internal controls and integrate resources.