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20世纪90年代国际金融市场出现了保险证券化的新趋势。保险业务证券化是保险公司通过金融市场转移负债风险、增加偿付能力的创新形式。巨灾债券和寿险债券是保险证券化的主要形式,近年来恐怖事件的频频发生,催生出了保险证券化。我国目前还未进行保险证券化,但我国保险业发展面临的形势表明在我国发展保险证券化是必要的。
In the 1990s, there appeared a new trend of insurance securitization in international financial markets. Securitization of insurance business is an innovative form for insurers to increase their solvency by transferring liability risk through financial markets. Catastrophe bonds and life insurance bonds are the main forms of insurance securitization. The frequent occurrence of terrorist incidents in recent years has given birth to insurance securitization. At present, China has not yet conducted insurance securitization, but the situation facing the development of China’s insurance industry shows that it is necessary to develop insurance securitization in our country.