自从改革开放,国务院批准恢复国内保险业务以来,我国保险市场经过30多年 的发展,打破了原先国有保险公司长期垄断经营的格局,出现了多家商业保险股份有 限公司,中外合资保险公司,一个竞争有序,监管得力的保险市场体系正在形成与 此同时,保险需求与保险供给结构性失衡!保险产品的过度开发和企业需求得不到满 足等深层次的矛盾也逐渐显现,无法满足许多大型企业在风险管理上的新需求与传 统商业保险相比,专属保险公司具有扩大承保范围!节省保费开支!加强风险控制, 集中保险管理!改善企业现金流量,提高资金流通和减轻税收负担五个方面的优势 就这一领域而言,在我国基本上还是空白,为完善保险市场体系,充分发挥专业自保 的种种优势,发展专属保险公司势在必行 本文在对专属保险公司的定义!特点!发展环境!建立条件等系统阐述的基础上, 对国外专属保险公司发展的实践和四大专属保险市场的进行了分析和比较,并结合我 国保险业的发展现状,分析了我国发展专属保险公司的必要性和可行性,在此基础上 提出了在我国建立专属保险公司的策略,即首先鼓励有条件的大中型企业成立离岸专 属保险公司,同时为加快我国专属保险市场的建设,建议主要从完善相关法律法规; 给予政策扶持;要明确监管方式及经营规则;加大宣传力度,营造市场氛围等方面入 手,让一切有利于自保市场快速发展的知识!技术和管理等生产要素充分发挥作用, 促进我国专属保险市场的成长和发育 关键词:专属保险公司保险市场可行性首都经济贸易大学倾}报告我国发展专属保险公司的可行性研究 Abstract AeomPetitiveinsuraneemarkethastakenPrimaryshaPewithlargemountofehinese insuraneeandforeigninsuranceeomPanysincewerestartedthedomestieinsuranee business.However,thefastdeveloPmentoftheinsuraneeindustry15hamPeredbythe singleformofinsuraneeorganization,similarstructureofinsuraneetyPe,etcwhiehleadto thediffieultiesforenterPrisestofindsuitableeoverfortheirrisks.Contraettothe traditionalinsraneemarket,eaPtiveshavefiveadvantegies:increasingtheflexibiltyof eonveringinsuranee,redueingthecostofinsuranee,:eentralizationofmanagement, increasingcomPany.5eashflowanddeereasetax.AsanewcountrytotheeaPtiveworld, WeareeagerforcaPtivesdeveloPedinChina. OnthebasisofeomPrehensivelyandsystematicallytheoreticalanalysisofthe defination!develoPingenvironment!characteristicsandadvantagesofcaPtiveeomPan又 thisPaPerinsPeetsthePraeticesofforeigncaPtiveeomPany.5develoPment,andin eonjunctionwiththeactualityofdeveloPmentofChina,5insuraneeindustry,analyzesthe necessityandfeasibilityofthedeveloPmentofcaPtivecomPanyinChina.Assome strategiestodeveloPeaPtivesinChina,wesuggesttoeneouragequalifiedenterprisesto starttheiroffshoreeaPtivefirst.Atthesametime,inordertofasterthedeveloPmentof eaPtivemarket,weshouldfirstamendrelatvieelauseoftheinsuraneelaw,givePolicy suPPort,makeclearthemodeofsuPervisionandOPeratingrulesandaetivelyeultivatethe enviormentofcaPtivemarket.InPartieular,enhaneetheresearehofrelativetheoriesand Practiee,thePublieizingofcaPtiveinsuraneecomPany,thetrainingoftalentedPerson.Ina word,useallthestrenghtthatcanbeused,makeallhelPfulltoeaPtivemarketdeveloPing knowledge,teehnologyandmanagementfactorstakeeffort,toboostthedeveloPmentof oureaPtivemarket. Keywords:CaPtiveinsurancetraditionalinsurancemarketfeasibility首都经济贸易大学子亚卜报告我国发展专属保险公司的可行性研究 Abstract........................,..................,...................................................................11 目录.................................................,.......................................................................In 1.引言.........................................................................................................................1 1选题的目的与意义 2专属保险公司概述 1.2.1专属保险公司的定义.................,......................................................................1 1.2.2专属保险公司的分类...............................................................一......................-2 1.2.3我国专属保险公司的发展历程.............................................................................. 1.3文献综述............................................................-..................................................4 1.3.1国内研究综述.,...........................,......................................................................4 1.3.2国外研究动态....................................................................,............................... 我国发展专属保险公司的必要性.........................................................................7 2.1企业经营中的风险环境与企业风险管理理论.................................................................7 2.2专属保险公司的优势与劣势.............................................................................................8 2.3我国发展专属保险公司的必要性...................................................................................n 2.3.1中国企业的风险管理需要................................................,................-......11 2.3.2完善我国保险体系,促进保险经营主体多元化................,.,............n 2.3.3增加保险市场有效供给,促进保险产品创新..........,...................................12 2.3.4加强与国际保险市场的联系,促进我国保险业的国际化................................13 国外专属保险公司发展的比较及对我国的启示.................................................14 3.1国外专属保险公司的发展历程.......................................................................................14 3.2世界主要专属保险市场发展的比较...............................................................................16 3.2.1百慕人白保市场....................................................................................................16 3.2.2美国佛蒙特白保市场............................................................................................17 3.2.3新加坡白保市场....................................................................................................20 3.2.4中国香港白保市场................................................................................................23首都经济贸易大学硕士报告我国发展专属保险公司的可行性研究 3.3启示...................................................................................................................................25 3.3.1良好的地理位置,交通发达,通讯便利........................................................25 3.3.2良好的对外合作关系.........................................................,...,..,.........25 3.3.3稳定的经济社会环境及政府支持.......................................................................25 3.3.4简单税制和税收方面的优惠................................................................................26 3.3.5高度发达的金融市场和完善的保险监管............................................................26 4.我国发展专属保险公司的可行性及尚需解决的问题.......................................27 4.1我国发展专属保险公司的可行性.....................................................................,.......27 4.1.1我国经济持续高速发展是建立专属保险公司源源不断的动力........................27 4.1.2企业规模扩大,实力增强对专属保险公司提供了内在的需求........................27 4.1.3完善中的保险市场为专属保险公司的成长提供了足够的空间....................28 4.1.4我国在对专属保险公司的监管上具备了一定条件............................................30 4.1.5企业自保行为为自保公司奠定了实践基础........................................................31 4.2中海石油保险公司案例分析......,.........,..............................................................31 4.3尚需解决的问题...............................................................................................................33 4.3.1相关法律法规的缺失是我国发展专属保险公司的最大障碍..............................33 4.3.2缺乏充分的理论和实践研究................................................................................33 5.结论................................................................................................,................34 5.1我国专属保险公司的发展策略........................................................,..................34 5.1.1我国大型企业成立离岸专属保险公司的设想...................................................一34 5.1.2成立离岸专属保险公司的具体操作程序............................................................34 5.2加快我国专属保险市场的政策建议...............................................................................36 5.2.1尽快修改保险法的相关规定,完善相关法律法规............................................36 5.2.2给予必要的政策扶持............................................................................................36 5.2.3明确监管方式及经营规则....................................................................................37 5.2.4积极培育自保市场环境,营造市场氛围................,.....................................37