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产权既是一种经济权利 ,又是一种经济责任。产权是强调人们对财产的使用所引起的相互认可的行为关系。然而 ,由于我国国有保险公司股份制改造刚刚起步 ,产权界定不够清晰 ,由此带来的公司产权代表责任不够明确 ,内部激励机制缺乏利益驱动力 ,监督管理不够有力 ,等等。这些都需要进一步加以完善 ,尤其要尽快着手建立国有资产的管理体系和相应的法律法规 ,选派能真正代表国有股东利益的董事、监事和总经理班子 ,保证公司的领导班子质量 ,明晰产权关系 ,使保险公司真正成为市场主体 ,在国际竞争中大有作为。
Property rights is not only an economic right, but also a economic responsibility. Property rights emphasize the mutually acceptable behavioral relationships that result from people’s use of property. However, since the reform of shareholding system of state-owned insurance companies in China has just started, the definition of property rights is not clear enough. The resulting responsibility of the company’s property rights representatives is not clear enough. The internal incentive mechanism lacks profit-driven force and the supervision and administration are not powerful enough. These should be further improved. In particular, we should start as soon as possible to set up a management system for state-owned assets and corresponding laws and regulations, elect directors, supervisors and general managers who truly represent the interests of state-owned shareholders, ensure the quality of the leadership of the company, clarify property rights, So that insurance companies truly become the main market, in the international competition a lot.