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保险市场与资本市场的融合发展作为金融深化和金融创新的重要制度安排,是国际金融业发展的趋势。其优势在于不仅可以促进资本市场的完善,增强保险公司的偿付能力,而且可以降低金融市场交易成本,增加金融市场交易收益,提升金融行业的国际竞争力。但也容易造成内部协调困难,监管难度增大,以及由此带来的金融风险增加等。保险市场与资本市场融合的成功与否,取决于融合的前提条件:相对成熟的保险市场和资本市场;比较健全的法律法规;水准较高的内部管理;条件成熟的技术平台等。因此,借鉴西方发达国家金融混业经营的经验,将有助于我国金融业的稳定与发展。
The integration of insurance market and capital market as an important institutional arrangement for financial deepening and financial innovation is the trend of the development of international financial industry. Its advantage lies not only in promoting the improvement of the capital market and in enhancing the solvency of insurance companies, but also in lowering the transaction costs in financial markets, increasing the trading profits in financial markets and enhancing the international competitiveness of the financial industry. But also easily lead to internal coordination difficulties, increased regulatory difficulty and the resulting increase in financial risks. The success of the integration of insurance market and capital market depends on the preconditions of integration: relatively mature insurance market and capital market; sound laws and regulations; higher standard of internal management; and mature technology platform. Therefore, drawing on the experience of the financial mixed operation in developed western countries will help the stability and development of China’s financial industry.