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随着我国保险业的发展和保险市场竞争的加剧,保险公司面临的风险也进一步加大,保险公司是否真的“保险”成为保险监管机构监管工作的难点之一和准投保人首先要考虑的问题。据北京未来之路市场研究有限公司就京城百姓进行的一次专项调查结果表明:市民在选择保险公司的时候,最关注的是“保险公司的信用级别”(占总调查人数的52.7％)。因此,借鉴国外先进经验,建立保险公司评级制度,对于我国保险公司的监管的科学化和为被保险人的利益提供一种基本保障,真正实现保险商品的社会效益具有重要意义。
With the development of China’s insurance industry and the intensified competition in the insurance market, the risks faced by insurance companies are further increased. Whether insurance companies really “insurance” become one of the difficulties in supervising insurance regulatory agencies and the first thing to be considered by the prospective insured problem. According to a special survey conducted by Beijing Future Road Market Research Co., Ltd. on capital cities, citizens are most concerned about “the credit rating of insurance companies” (52.7% of the total number of people surveyed) when they choose insurance companies. Therefore, drawing on advanced foreign experience and establishing a rating system for insurance companies, it is of great significance for the scientific supervision of our insurance companies to provide a basic guarantee for the interests of the insured and truly realize the social benefits of insurance products.