论我国保险业的诚信缺失风险与防范

近年来,在我国保险业经营实践中,诚信缺失风险是影响保险业健康发展的重要因素。诚信问题已经成为业内人士关注的焦点,已成为中国保险业面临的严峻挑战。诚信缺失风险的成因主要是保险合同双方的道德风险和逆向选择。它对保险公司的营利活动构成巨大威胁并产生诸多影响。为此,应建立与完善被保险人信息库与信用评级制度,加强金融企业之间的联系,促进“银保”深化合作;推进保险经营电子化与网络化进程,防范诚信缺失风险。

Credit deficiency and defense measures in the insurance activities in China

In the recent years,the risk of credit deficiency has been an important factor in the insurance activities.The main reasons of the credit deficiency risk are moral hazard and adverse selection.The risk makes a great influence on the benefit of insurance companies.Therefore,insurance companies should establish a system for deal with the risk of credit deficiency.In this system,strengthen the cooperation between bank and insurance company,network and credit rating system construction are good method to prevent from the risk.