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目前,已有不少保险公司与银行达成协议,由银行对其保险资金进行托管。我国保险业已经具备一定规模;保险资金运用政策日益放宽,资金管理难度加大;保险资金出现外部“存管”危机;实施第三方托管是改革保险资金管理体制的需要。引入第三方托管有助于保险资金运用风险的防范,提高保险资金的投资收益和使用效率,增加托管银行收益,促进银保深层次合作;有助于中小型保险公司的发展;有助于保险、金融及资本市场实现共同的健康、稳定的发展。借鉴美国保险市场第三方资产管理经验,我国保险业应加快推进,自愿实施,拓宽托管主体,出台配套制度,以更好地实施保险市场第三方资产管理。
At present, many insurance companies have reached an agreement with banks to hold their insurance funds by the banks. China’s insurance industry already has a certain scale; the policy of using insurance funds is increasingly relaxed and the fund management is more and more difficult; the external “depository” crisis of insurance funds appears; and the implementation of the third-party custody is the need of reforming the insurance fund management system. The introduction of third-party custody helps to prevent the risk of the use of insurance funds, increase the return on investment and use efficiency of insurance funds, increase the benefits of custodian banks and promote the in-depth cooperation between banks and bankers; help the development of small and medium-sized insurance companies; help insurance , Financial and capital markets to achieve common health and stable development. Drawing on the experience of third-party asset management in the insurance market in the United States, the insurance industry in our country should accelerate its implementation voluntarily and broaden its hosting body to introduce ancillary systems to better implement third-party asset management in the insurance market.