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寿险分支机构经营风险直接、间接影响寿险公司整体的偿付能力状况。导致寿险分支机构经营风险的主要原因是:风险管理的作用没有得到足够体现,粗放式管理模式制约经营管理水平,信息不对称形成逆选择和道德风险,市场的恶性竞争,人员素质参差不齐。寿险分支机构的经营风险可以通过内部自我约束来防范与化解,保险监管机构可以起到外部监管的作用。保险监管机构应正确认识偿付能力监管,防范化解风险;提高现场检查力度;提高非现场监管水平;加强队伍培训、提高监管水平;建立有效的风险预警机制。
The operating risks of life insurance branches directly and indirectly affect the overall solvency status of life insurance companies. The main reasons leading to the risk management of life insurance branches are: the role of risk management has not been adequately reflected, the extensive management mode restricts the operation and management level, the asymmetric information forms adverse selection and moral hazard, the vicious competition in the market and the uneven quality of personnel. The operating risks of life insurance branches can be prevented and defused through internal self-restraint, and the insurance regulatory agencies can play the role of external supervision. Insurance regulatory agencies should correctly understand the solvency regulation, to prevent and mitigate the risks; improve on-site inspection efforts; enhance the off-site regulatory level; strengthen team training and improve the regulatory level; and establish an effective risk warning mechanism.