發(fa)布日期:2017-11-03
保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金(jin)(jin)(jin)制度是(shi)成(cheng)熟保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)市(shi)場的(de)(de)重要(yao)特(te)(te)征(zheng)，也是(shi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)行(xing)業(ye)(ye)的(de)(de)最后一道風險(xian)(xian)(xian)防線。作為保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業(ye)(ye)的(de)(de)風險(xian)(xian)(xian)救助基(ji)(ji)金(jin)(jin)(jin)，我(wo)國(guo)的(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金(jin)(jin)(jin)是(shi)依據《保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)法》和《保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金(jin)(jin)(jin)管理辦法》的(de)(de)有(you)關規定(ding)設立(li)的(de)(de)。當保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司存在(zai)(zai)重大風險(xian)(xian)(xian),可能嚴重危及社會公共利益(yi)和金(jin)(jin)(jin)融穩定(ding)時，將適時動用保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金(jin)(jin)(jin)，對保(bao)(bao)(bao)(bao)(bao)單持有(you)人(ren)提(ti)供救濟(ji)或處置保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)行(xing)業(ye)(ye)風險(xian)(xian)(xian)，可以說，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金(jin)(jin)(jin)讓(rang)保(bao)(bao)(bao)(bao)(bao)單更(geng)安全。在(zai)(zai)我(wo)國(guo)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)行(xing)業(ye)(ye)推進市(shi)場化改革，特(te)(te)別(bie)是(shi)在(zai)(zai)市(shi)場退(tui)出機制建立(li)的(de)(de)過程中，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)障(zhang)基(ji)(ji)金(jin)(jin)(jin)制度扮(ban)演著(zhu)重要(yao)角(jiao)色(se)。
我(wo)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)管(guan)理(li)經歷(li)了(le)企業(ye)留存、集中(zhong)管(guan)理(li)和(he)公(gong)司(si)化(hua)運作(zuo)三(san)個(ge)階段。2008年，依(yi)據保(bao)(bao)(bao)(bao)監會、財政部、中(zhong)國(guo)人(ren)民銀行共(gong)同頒布(bu)的《保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)管(guan)理(li)辦(ban)法》，中(zhong)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)有(you)限(xian)責(ze)任(ren)公(gong)司(si)成立，負責(ze)基(ji)(ji)(ji)金(jin)(jin)(jin)的籌集、管(guan)理(li)和(he)使(shi)用，它既(ji)是提(ti)供(gong)公(gong)共(gong)服(fu)務(wu)的機構(gou)，也是監管(guan)部門防范和(he)化(hua)解(jie)行業(ye)風險(xian)(xian)(xian)(xian)的抓手。按(an)照承擔的使(shi)命和(he)責(ze)任(ren)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)公(gong)司(si)始終以“服(fu)務(wu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)監管(guan)、服(fu)務(wu)行業(ye)健康(kang)發(fa)展(zhan)、服(fu)務(wu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)消費者(zhe)”為(wei)發(fa)展(zhan)方向，盡(jin)心(xin)盡(jin)職(zhi)維(wei)護保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)消費者(zhe)合法權益作(zuo)為(wei)使(shi)命。可以說，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)制度和(he)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)障(zhang)(zhang)基(ji)(ji)(ji)金(jin)(jin)(jin)公(gong)司(si)既(ji)與(yu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)監管(guan)政策密不(bu)可分，又與(yu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)消費者(zhe)、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)息息相關。