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外资保险公司的引进所带来的机遇与挑战并存。不应只看到利用外资带来的正面影响,同时还应该正视利用外资给中国保险业带来的潜在风险。只有正确地识别、测量和控制风险,才能真正做到外资保险为我所用。监管机构需要增强对外资保险的监管能力以切实提高监管效果,应建立适应全球金融发展趋势的监管组织体系;转变监管职能和重点;改进监管手段和方式。
The opportunities and challenges brought by the introduction of foreign insurance companies coexist. Should not only see the positive impact of the use of foreign capital, but also should face up to the potential risks of using foreign capital for the Chinese insurance industry. Only by properly identifying, measuring and controlling the risks can we actually use foreign insurance for my own purposes. Regulators need to strengthen the supervision of foreign-funded insurance in order to effectively improve the regulatory effect. A regulatory organization system that adapts to the global financial development trend should be established; the regulatory functions and priorities should be changed; and the means and methods of supervision should be improved.