暨南学报(哲学社会科学版)

作者：李敏

单位：北京大学法学院。

关键词：保险资金,保险资金运用监管,金融与实业分离原则

基金：国家社会科学基金一般项目“技术驱动型金融监管的法律问题研究”（批准号：17BFX098)。

我国保险公司举牌上市公司以及被实际控制人利用作为融资平台而进行自利交易,暴露了我国保险资金运用监管制度对保险公司金融力量的防范疏漏。这不仅给保险公司自身带来了巨大风险,同时也影响了实业公司的正常经营管理。美国保险业上百年监管历史所沉淀的保险资金运用监管制度,既致力于保障保险公司的偿付能力,同时防范保险业金融力量滥用风险。保险公司金融力量的滥用从两个维度展开:保险公司利用所聚集的巨额资金控制实业公司,或者被实业企业借由股权投资而控制以满足私利。因此防范前述滥用的有效方法就在于践行“金融与实业分离原则”。借鉴美国百年的监管经验,我国应从金融与实业分离的角度完善保险资金运用监管制度,规范保险公司股权结构和关联交易,以及保险业的对外投资行为。"/>template{display:none;}.mag-rich-xref-fn { cursor: pointer;}//长视频$(document).ready(function(){if($("#showLongArticleVideo") && $("#showLongArticleVideo").length && $("#showLongArticleVideo").length>0){mag_ajax_update({ele_id:'showLongArticleVideo',url:mag_currentQikanUrl() + "/CN/article/showLongArticleVideo.do?id="+$("#articleId").val()});}});$(document).ready(function(){window.metaData = {"journal":{"issn":"1000-5072","qiKanMingCheng_CN":"暨南学报（哲学社会科学版）","id":2,"qiKanMingCheng_EN":"Jinan Journal"},"fundList_cn":["国家社会科学基金一般项目“技术驱动型金融监管的法律问题研究”（批准号：17BFX098)。"],"article":{"keywordList_cn":["保险资金","保险资金运用监管","金融与实业分离原则"],"juan":"41","zhaiyao_cn":"我国保险公司举牌上市公司以及被实际控制人利用作为融资平台而进行自利交易,暴露了我国保险资金运用监管制度对保险公司金融力量的防范疏漏。这不仅给保险公司自身带来了巨大风险,同时也影响了实业公司的正常经营管理。美国保险业上百年监管历史所沉淀的保险资金运用监管制度,既致力于保障保险公司的偿付能力,同时防范保险业金融力量滥用风险。保险公司金融力量的滥用从两个维度展开:保险公司利用所聚集的巨额资金控制实业公司,或者被实业企业借由股权投资而控制以满足私利。因此防范前述滥用的有效方法就在于践行“金融与实业分离原则”。借鉴美国百年的监管经验,我国应从金融与实业分离的角度完善保险资金运用监管制度,规范保险公司股权结构和关联交易,以及保险业的对外投资行为。","endNoteUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/article/getTxtFile.do?fileType=EndNote&id=6226","bibtexUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=BibTeX&id=6226","abstractUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2019/V41/I3/53","qi":"3","id":6226,"nian":2019,"bianHao":"2019-3-53","zuoZheEn_L":"LI Min","juanUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2019","shouCiFaBuRiQi":"2019-06-19","qiShiYe":"53","qiUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/Y2019/V41/I3","lanMu_cn":"法学","pdfSize":"842","zuoZhe_CN":"李敏","risUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=Ris&id=6226","title_cn":"金融与实业分离原则下的保险资金运用监管","jieShuYe":"71","keywordList_en":["Insurance fund","Investment regulation of insurance fund","Principle of separating finance from the real industry"],"endNoteUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=EndNote&id=6226","zhaiyao_en":"The insurance companies in China are prone to use the collection of premiums to invest heavily in listed companies or even as a financing platform of its actual controllers. 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来源：2019年第3期

《暨南学报(哲学社会科学版)》期刊编辑部

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