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保险保障基金制度是在保险公司破产时,为保护保单持有人利益,维护金融稳定而实施的一项制度安排。当前世界上有许多地区都建立了保险保障基金制度,我国也于2004年底发布了《保险保障基金管理办法》,初步建立了覆盖范围广,保障力度强的一般性保险保障基金。在今后的发展中,需要借鉴国际经验,进一步完善我国保险保障基金制度建设,应增强基金在风险处置中的作用及独立性,建立事前与事后相结合的资金筹措机制,建立有限覆盖、多层次的补偿机制等。
The insurance protection fund system is an institutional arrangement for protecting the interests of policyholders and maintaining financial stability when the insurance company goes bankrupt. In many parts of the world, an insurance protection fund system has been established. Our country also released the “Insurance Protection Fund Management Measures” in late 2004, and initially established a general insurance guarantee fund covering a wide range and strong protection. In the future development, we need to learn from international experience to further improve the construction of China’s insurance guarantee fund system. We should strengthen the role and independence of the fund in risk management and set up a fund raising mechanism combining ex ante and ex post factors to establish limited coverage and multi-level Compensation mechanism.