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我国破产法对于企业破产标准,采用的是一元标准,即企业财产标准,当企业财产不足以偿付企业债务时,即可符合破产标准。我国保险法对于保险公司破产标准,采用的是二元标准,即企业财产标准和违法经营标准。本文认为,该二元标准突破了破产法的基本原则,有违破产法的基本精神。破产法判断一个商业企业是否达到破产,采用的唯一标准是财产标准,即以企业财产是否足以清偿全部债务为唯一标准,此外别无其他标准。有竞争性的启动破产申请程序,可以减少保险公司价值的损耗,保护债权人的利益;同时,有助于防止监管机构的不作为或者权力滥用,维护被保险人的利益。这样,行政性和司法性的启动制度互相激励,保险公司破产程序就会更加符合确定性、效率性、可操作性和灵活性原则,保证破产程序公正和高效;最终既有利于保险行业的发展,又有利于维护保险市场各方主体的权利。
China’s bankruptcy law for corporate bankruptcy standards, the use of a dollar standard, that is, corporate property standards, when the corporate property is not enough to pay corporate debt, you can meet the bankruptcy standards. China’s insurance law for the bankruptcy standards of insurance companies, the use of the binary standard, that is, corporate property standards and illegal business standards. This paper argues that the dual standard breaks through the basic principles of bankruptcy law and violates the basic spirit of bankruptcy law. The insolvency law determines whether a commercial enterprise has reached bankruptcy. The sole criterion adopted is the property standard, which is based on whether the property of the enterprise is sufficient for the satisfaction of all debts and, in addition, there is no other standard. Competitive start of the bankruptcy application process can reduce the loss of the value of insurance companies and protect the interests of creditors; at the same time, it helps to prevent the regulator from inaction or abuse of power to safeguard the interests of the insured. In this way, the initiation of the administrative and judicial system will inspire each other and the insolvency proceedings of insurance companies will be more in line with the principles of certainty, efficiency, operability and flexibility to ensure the bankruptcy proceedings will be fair and efficient. Eventually, this will not only help the development of the insurance industry , But also help maintain the rights of all parties in the insurance market.