入世后开放中国保险市场面临的机遇与挑战 [3]
论文作者:唐丽华论文属性:短文 essay登出时间:2009-04-02编辑:黄丽樱点击率:19050
论文字数:5171论文编号:org200904021636192495语种:英语 English地区:中国价格:免费论文
关键词:OpportunitiesChallengesThe Importance of HRMInsuranceMarket
usiness to be just limited in a country. It is necessary to collect more risk data all over the world to make the calculation more accurate.
3. In the past, insurance was only a kind of compensation business, which required insurers to have great payment capability. But now insurance business relies on the investment more than only funds raising. The basic function of insurance companies in the social economy is to offer risk compensation and the funds utilization of insurance companies guarantees the performance of this financial compensatory function. Meanwhile, it is the key method for insurance companies to realize self-development. The proportion of funds for insurance companies to invest in domestic market is comparatively limited,and at present the closed funds for security investment does not fit the application of insurance funds well. It is quite necessary to expand the new area for insurance investment. Besides, the insurance market has become an intermediary for investors and links with the financial market closely. It has become one of the important sectors in the investment activities in the world financial market. So the insurance investments must be more international and extensive.
4. With the constantly increasing risk and the relative concentration of responsibilities, insurers and reinsurers have to be allied to balance risk responsibilities on a large scale around the world. It is the result of the economic development and the increase of risk-causing factors. More and more insurers have accepted and applied the globalization of risk decentralization. This is why so many insurance companies of different countries share responsibilities for the indemnity payment of any big disaster. Therefore, it is objectively necessary to open China’s market so as to internationalize China.
Thirdly, it is the demand of internationalizing China’s financial market. The insurance industry plays a decisive role in the world economy, especially in the world financial industry. In western developed countries, the insurance market has been an important part of the financial market. So the gradual opening of China’s financial market requires further opening its insurance market. One of the economy features of opening financial market is the inflow of foreign funds. The funds flows in the international financial market, especially the short-term flows, may bring about internal economy risk while promoting the restructuring of funds, technology, labors and so on which has been proved in the Southeast Asia Finance Crisis in 1997. One of the effective ways to deal with this problem and manage it rationally is to disperse risk on a worldwide scale. That is to say, foreign insurance companies bear risk brought by foreign insurance financial organization itself and transfer the risk widely through the reinsurance network in the world. So it is important to open China’s insurance market while opening China’s financial market.
Fourthly, it is the demand of China’s access to WTO. To become one of the members of WTO, China insurance industry should obey related market access rules and open the financial service market including the insurance market. The rules on the market access permission in GATS (General Agreement on Trade in Service) provide rights for foreign insurance companies to enter China’s market. The access to WTO is the objective demand for China to deepen the reform, widen the opening and take part in the international competitions
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