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后危机时代,保险业的监管面临着严峻的挑战,本文立足于宏观审慎监管的相关理论,将其具体运用于保险业中,分别从保险业务的顺周期效应、“公允价值”的顺周期效应、“大而不能倒”效应以及银行业、证券业对保险业的传染效应等方面分析保险业产生系统性风险的根源,最后针对保险业系统性风险产生的根源提出我国保险业宏观审慎监管的对策。
In the post-crisis era, the supervision of the insurance industry is facing severe challenges. Based on the relevant theory of macro-prudential regulation, this paper applies it to the insurance industry. From the perspective of the cyclical effect of insurance business, the “fair value” Cycle effect, the effect of “big can not be reversed” and the contagion effects of the banking and securities industries to the insurance industry. Finally, in view of the origin of systemic risk in the insurance industry, Macro-prudential supervision and countermeasures.