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国外保险公司和保险(金融)集团的破产案例提醒我们要注意国内保险集团在迅速发展过程中的偿付危机和破产风险。以保险为主业的保险集团的破产风险来自于主要子公司,即专业保险公司的破产,主要包括由巨额索赔、定价过低、再保险、投资风险、业务过度发展、准备金不足、拓展新市场、保险欺诈、管理不善等九方面原因造成的破产。子公司的偿付危机和破产风险将通过品牌、内部交易和交叉投资三个途径传递给整个集团,可能给集团内有关成员公司和整个集团的声誉和偿付能力造成严重的负面影响,甚至引致整个保险集团的破产,并通过“溢出效应”给整个行业造成巨大的破坏作用。因此,有必要建立保险集团的危机应对机制,包括设立子公司作为综合经营的载体、建立集团内完善的破产风险监控系统、建立集团内部的救助基金、集团成员分别上市和建立偿付危机应急预案等。
The bankruptcy cases of foreign insurance companies and insurance (financial) groups remind us to pay attention to the repayment and bankruptcy risks of the domestic insurance groups in the rapid development. The risk of bankruptcy of the insurance-based insurance group comes from the major subsidiaries, namely, the bankruptcy of professional insurance companies, mainly including the huge claims, under pricing, reinsurance, investment risks, over-development of business, lack of reserves and new market expansion , Insurance fraud, mismanagement and other causes of bankruptcy. Subsidiary solvency and bankruptcy risks will be communicated to the entire group through branding, internal transactions and cross-investment, which may have a serious negative impact on the reputation and solvency of the member companies and the group as a whole, and may even lead to the entire insurance The bankruptcy of the group, and through the “spillover effect” to the entire industry a huge sabotage. Therefore, it is necessary to establish a crisis coping mechanism for insurance groups, including setting up a subsidiary as a carrier of integrated management, establishing a sound bankruptcy risk monitoring system in the group, setting up an intra-group relief fund, listing the group members separately, and setting up contingency plans for paying off the crisis .