發(fa)布日(ri)期:2017-11-03

    保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金制度是(shi)成(cheng)熟(shu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)市場(chang)的(de)重(zhong)要(yao)特(te)征，也是(shi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)行業(ye)的(de)最后(hou)一道風(feng)(feng)險(xian)(xian)(xian)防線。作為保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)的(de)風(feng)(feng)險(xian)(xian)(xian)救(jiu)(jiu)助基(ji)(ji)金，我國的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金是(shi)依據《保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)法》和《保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金管理辦法》的(de)有關(guan)規定設(she)立的(de)。當保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司存在(zai)重(zhong)大風(feng)(feng)險(xian)(xian)(xian),可能(neng)嚴重(zhong)危(wei)及社會公(gong)共(gong)利(li)益和金融(rong)穩定時(shi)，將適時(shi)動用保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金，對(dui)保(bao)(bao)(bao)(bao)單持有人提供救(jiu)(jiu)濟或處置(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)行業(ye)風(feng)(feng)險(xian)(xian)(xian)，可以說，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金讓保(bao)(bao)(bao)(bao)單更安全。在(zai)我國保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)行業(ye)推進市場(chang)化改(gai)革，特(te)別是(shi)在(zai)市場(chang)退出機制建(jian)立的(de)過程(cheng)中，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金制度扮演(yan)著(zhu)重(zhong)要(yao)角色。

    我國(guo)保(bao)(bao)險(xian)(xian)保(bao)(bao)障基(ji)金(jin)(jin)管(guan)(guan)理(li)經(jing)歷了企業留存、集中管(guan)(guan)理(li)和(he)公司(si)化運作三個階(jie)段。2008年(nian)，依據保(bao)(bao)監會、財政部(bu)、中國(guo)人民(min)銀行共(gong)同頒布的(de)《保(bao)(bao)險(xian)(xian)保(bao)(bao)障基(ji)金(jin)(jin)管(guan)(guan)理(li)辦(ban)法》，中國(guo)保(bao)(bao)險(xian)(xian)保(bao)(bao)障基(ji)金(jin)(jin)有(you)限責(ze)(ze)任(ren)公司(si)成立，負責(ze)(ze)基(ji)金(jin)(jin)的(de)籌集、管(guan)(guan)理(li)和(he)使(shi)(shi)用，它(ta)既是提供(gong)公共(gong)服務(wu)(wu)(wu)的(de)機構(gou)，也是監管(guan)(guan)部(bu)門防(fang)范和(he)化解(jie)行業風(feng)險(xian)(xian)的(de)抓手。按照(zhao)承擔的(de)使(shi)(shi)命和(he)責(ze)(ze)任(ren)，保(bao)(bao)險(xian)(xian)保(bao)(bao)障基(ji)金(jin)(jin)公司(si)始終以(yi)“服務(wu)(wu)(wu)保(bao)(bao)險(xian)(xian)監管(guan)(guan)、服務(wu)(wu)(wu)行業健康發展、服務(wu)(wu)(wu)保(bao)(bao)險(xian)(xian)消(xiao)費(fei)者(zhe)”為(wei)發展方向，盡心盡職維護保(bao)(bao)險(xian)(xian)消(xiao)費(fei)者(zhe)合(he)法權益作為(wei)使(shi)(shi)命。可以(yi)說，保(bao)(bao)險(xian)(xian)保(bao)(bao)障基(ji)金(jin)(jin)制(zhi)度和(he)保(bao)(bao)險(xian)(xian)保(bao)(bao)障基(ji)金(jin)(jin)公司(si)既與保(bao)(bao)險(xian)(xian)監管(guan)(guan)政策密不(bu)可分，又與保(bao)(bao)險(xian)(xian)消(xiao)費(fei)者(zhe)、保(bao)(bao)險(xian)(xian)公司(si)息(xi)息(xi)相關。