CAJ | 학술논문

在发达的保险市场，破产是保险公司退出市场的一种常见路径，但国内至今还没有一家保险公司因破产而退出市场。本文通过对国外数据和文献的分析表明，不同市场上保险公司破产的主要诱因具有高度的相似性，且定价不充分是最大的诱因。在此基础上，本文进一步比较分析了产、寿险公司定价不充分形成过程所存在的重大差异。由此，为国内保险公司的经营管理和监管部门的政策制定提供一定的启示。
재발체적보험시장，파산시보험공사퇴출시장적일충상견로경，단국내지금환몰유일가보험공사인파산이퇴출시장。본문통과대국외수거화문헌적분석표명，불동시장상보험공사파산적주요유인구유고도적상사성，차정개불충분시최대적유인。재차기출상，본문진일보비교분석료산、수험공사정개불충분형성과정소존재적중대차이。유차，위국내보험공사적경영관리화감관부문적정책제정제공일정적계시。
In the developed insurance markets, bankruptcy of insurance company is a common-sense question. While there were still not insurance companies to bankrupt in china. Through the analysis of foreign literature and data, we discover the main cause of insurance company bankruptcy had a high degree of similarity in different markets,and inadequate pricing is the biggest incentive. On this basis, we analyze the formation process of inadequate pricing. The results show that there are the significant differences between property insurance companies and life insurance compa-nies. That could provide some inspiration to the company’s management and market regulation.