發(fa)布(bu)時間：2015-07-03 08:48:52  來(lai)源：中國保險報·中保網(wang)

    6月30日，中國保(bao)險保(bao)障(zhang)基金有限責任公司在北京舉辦保(bao)險行業(ye)風(feng)險評估專家委(wei)員會第八(ba)次會議暨《中國保(bao)險業(ye)風(feng)險評估報告2015》發(fa)布會。報告顯示，車險增長模(mo)式和(he)盈利水(shui)平(ping)遭遇挑戰、滿期給付和(he)退保(bao)突出、權益類(lei)資產比(bi)重上升面臨市(shi)場風(feng)險考驗等是保(bao)險業(ye)面臨的(de)主要風(feng)險。

    此外，財產險(xian)中(zhong)非車險(xian)險(xian)種分化明(ming)顯、人(ren)身(shen)險(xian)個人(ren)代(dai)理(li)投入成(cheng)本上升、銀保(bao)期(qi)繳(jiao)增長(chang)乏力、部分保(bao)險(xian)公司(si)(si)存在較大經營壓力、保(bao)險(xian)公司(si)(si)資產負(fu)債匹配難度增加(jia)、渠道放開(kai)對保(bao)險(xian)公司(si)(si)資金運用能力要(yao)求更高等也(ye)是目(mu)前保(bao)險(xian)業(ye)面臨的主要(yao)挑戰。

    報告以(yi)風(feng)(feng)險(xian)為主線，以(yi)專題(ti)的(de)(de)(de)形式逐一分析風(feng)(feng)險(xian)點(dian)，根據每個(ge)風(feng)(feng)險(xian)點(dian)的(de)(de)(de)特征展開(kai)分析，關(guan)(guan)注(zhu)資產和負(fu)債的(de)(de)(de)匹配及其與風(feng)(feng)險(xian)之間的(de)(de)(de)聯(lian)(lian)動，關(guan)(guan)注(zhu)金融集團(tuan)化運作(zuo)整體的(de)(de)(de)風(feng)(feng)險(xian)控(kong)制(zhi)水平。此外，《中(zhong)國保(bao)險(xian)業風(feng)(feng)險(xian)評估報告2015》還刊登了(le)《中(zhong)國保(bao)險(xian)業風(feng)(feng)險(xian)管(guan)理(li)專題(ti)研究》，精選了(le)專家委員會十多(duo)(duo)位委員對行業重點(dian)、熱點(dian)問題(ti)及有(you)關(guan)(guan)風(feng)(feng)險(xian)因素防控(kong)的(de)(de)(de)研究成果(guo)，內容涵蓋了(le)償二代、費率市場化、資產負(fu)債匹配、互聯(lian)(lian)網保(bao)險(xian)、農(nong)業保(bao)險(xian)、巨(ju)災保(bao)險(xian)等多(duo)(duo)個(ge)風(feng)(feng)險(xian)關(guan)(guan)注(zhu)點(dian)，并提出風(feng)(feng)險(xian)管(guan)理(li)對策(ce)。

    《中國保(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)評(ping)(ping)估報(bao)告(gao)2015》是(shi)近年(nian)來(lai)保(bao)險(xian)(xian)(xian)(xian)(xian)保(bao)障基(ji)金風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監測(ce)(ce)工作的(de)(de)一(yi)項重(zhong)要探索。2014年(nian)，我國保(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)發展(zhan)成(cheng)績迅速。然(ran)而，在全行業(ye)(ye)(ye)重(zhong)回(hui)發展(zhan)快車道的(de)(de)同時，保(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)面(mian)臨的(de)(de)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)也在發生錯綜復雜的(de)(de)變化(hua)。保(bao)險(xian)(xian)(xian)(xian)(xian)保(bao)障基(ji)金制度是(shi)保(bao)險(xian)(xian)(xian)(xian)(xian)行業(ye)(ye)(ye)防范(fan)和(he)(he)化(hua)解風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)重(zhong)要工具，肩(jian)負著持續(xu)監測(ce)(ce)、評(ping)(ping)估和(he)(he)預警保(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)重(zhong)大(da)責(ze)任。為此，保(bao)險(xian)(xian)(xian)(xian)(xian)保(bao)障基(ji)金通過整合風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監測(ce)(ce)力量(liang)，在現有(you)分(fen)析框架(jia)的(de)(de)基(ji)礎(chu)上，充分(fen)利用專(zhuan)家委員會的(de)(de)智(zhi)庫資源(yuan)，匯(hui)總整理行業(ye)(ye)(ye)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)點、分(fen)析評(ping)(ping)估風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)演變規律，形(xing)成(cheng)該報(bao)告(gao)。未來(lai)，保(bao)險(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)風(feng)(feng)險(xian)(xian)(xian)(xian)(xian)評(ping)(ping)估報(bao)告(gao)將按年(nian)度發布(bu)。