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完善的市场退出机制是一个成熟、高效的保险市场应具备的重要特征之一。由于经验和历史等原因,我国保险公司尚未真正经历过破产程序。伴随着国内外竞争的日趋激烈,国内保险公司要健康地成长壮大,必须建立起高效的保险公司市场退出机制。鉴于此,本文提出了完善我国保险公司市场退出机制的路径安排,主要包括:完善保险市场退出的相关法律法规、制定积极稳妥的多层次市场退出方式、建立健全保险公司信息披露制度、加强对保险公司的风险监管和建立科学的保险保障基金制度。
The perfect market exit mechanism is one of the important characteristics that a mature and efficient insurance market should have. Due to experience and history, the insurance companies in our country have not really experienced the bankruptcy procedure yet. With the increasingly fierce competition at home and abroad, domestic insurance companies must grow healthily and grow well. Therefore, an effective market exit mechanism for insurance companies must be established. In view of this, this paper puts forward the path of perfecting the market exit mechanism of insurance companies in our country, which mainly includes: perfecting relevant laws and regulations of withdrawal of insurance market, formulating a positive and steady multi-level market exit way, establishing and improving information disclosure system of insurance companies, Corporate risk supervision and establishment of a scientific insurance protection fund system.