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保险保障基金是由保险公司缴纳形成,在保险公司被撤销、被宣告破产等情形下,用于向保单持有人或者保单受让公司等提供救济的法定基金。2005年初,我国《保险保障基金管理办法》正式施行,但运营和收缴的理论与实践依据并不相当充分。当前我国保险保障基金的理论研究最为重要的内容应是最优规模问题。在实践中,应通过系统地研究保险保障基金的来源、征收、规模、运用等各方面的内容,提供有关上述内容的科学依据与政策建议,从而有利于完善中国保监会制定的《保险保障基金管理办法》,完善我国保险保障基金制度,促进保险业的健康发展。
The insurance protection fund is a statutory fund that is paid by the insurance company and used to provide relief to the policy holder or the policy transfer company when the insurance company is revoked, declared bankrupt, or the like. In early 2005, China’s “Insurance Protection Fund Management Measures” was formally implemented, but the theory and practice of operation and collection are not quite sufficient. At present, the most important content of theoretical research on China’s insurance protection fund should be the issue of optimal size. In practice, we should systematically study the sources, collection, scale, application and other aspects of the insurance protection fund to provide the scientific basis and policy recommendations on the above content, which will be conducive to improving the “Insurance Protection Fund Management Measures ”, improve China’s insurance protection fund system, and promote the healthy development of the insurance industry.