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“保险是现代经济的重要产业和风险管理的基本手段,是社会文明水平、经济发达程度、社会治理能力的重要标志。”(1)我国保险监督管理委员会自成立以来,在“防范风险方面,遵循‘统筹规划,夯实基础,加强监管’的指导原则,努力构筑以公司内控和治理结构监管为基础,以偿付能力监管为核心,以现场检查为重要手段,以资金运用监管为关键环节,以保险保障基金为屏障的防范保险业风险的‘五道防线’”(2)。保险保障基金作为“五道防线”的最后一道防线,现行的资金筹集环节、使用环节及追偿环节的缺失易诱发保险公司的道德危险,影响基金的功能发挥,有必要厘清道德危险的成因,寻求对策,降低道德危险对保险保障基金制度的不利影响。
Insurance is an important measure of modern industry and risk management and an important symbol of the level of social civilization, economic development and social governance. “(1) Since the establishment of China’s Insurance Regulatory Commission, In terms of risks, the Bank adhered to the guiding principles of ”co-ordinating planning, laying a solid foundation and strengthening supervision“, strived to build a system based on the supervision of corporate internal control and governance structure, the solvency supervision as the core, the on-site inspection as an important means and the regulation of funds utilization as the key Link, with the insurance protection fund as a barrier to guard against the risk of the insurance industry ’five defenses’ (2). As the last line of defense of the ”Five Lines of Defense," the current insurance fund can be used to induce moral hazard of insurance companies and affect the functioning of the fund. It is necessary to clarify the causes of moral hazard , Seek solutions to reduce the adverse impact of moral hazard on the insurance system.