中资保险公司金融控股化问题研究

Research on Financial Holding in Chinese Insurance Companies

中文关键词:  中资保险公司  金融控股化  综合经营

英文关键词:Chinese insurance company  financial holding  integrated operation

中文摘要:

      为了应对外资保险巨鳄的混业竞争挑战,中资保险公司金融控股化可以避免综合经营与现有法律的冲突和获取规模收益及范围经济,建立保险集团公司、建立保银或保证战略联盟、保险公司金融控股化是三个由低到高、逐级递进的保险综合经营的层次途径,适合处于不同发展阶段的中资保险公司运用;中资保险公司应从加快企业组织结构变革、加大风险控制体系建设和统一企业文化认识等方面入手,充分发挥金融控股优势,从根本上提升中资保险公司的核心竞争力。

英文摘要:

      Facing the drastic survival crisis from foreign invested insurance tycoons based on the integrated operations, Chinese insurance companies should carry on the financial holding to avoid the conflict in integrated operations under the current legal system while scale revenues and scope economy can be obtained. The insurance group company, the strategic alliance of insurance-bank or insurance-securities, and the financial holding of insurance companies are the three different levels and approaches in integrated operations, which rank step by step from low to high, suitable for Chinese insurance companies at different stages of develoopment. By accelerating the transformation of organizational structure in enterprises, strengthening the construction of risk control system and consolidating the universal identification of corporation culture, Chinese insurance companies should take advantage of financial holding so as to radically improve the core competitiveness of Chinese insurance companies.