Chinese Insurance Protection Fund System Research

Because of the bankruptcy is usually has a strong external effects and the insurance company went bankrupt will not only endangers the interests of policy holders, may lead to financial turbulences. Therefore, many countries to formulate a comprehensive insurance market from the legal system and safety nets forming a buffer the insurance company went bankrupt as a big shock, which is called "finally a safety net" is the insurance guaranty fund system. The insurance guaranty fund system build started by circ of the insurance guaranty fund management measures, and in 2008 shall be able to get by modifying the initial, but with the insurance guaranty fund system, the insurance guaranty fund system still exist many problems that need to be further improved.This article mainly uses a comparative study method, the use of insurance law, economics, economical law relevant theoretical knowledge, and the insurance guaranty fund system, is the experience, our insurance guaranty fund system to improve forward useful suggestions. the article through the following chapter deals with the analysis of the insurance guaranty fund system :The first chapter we briefly introduce the basic principle of insurance guaranty fund system for the third chapter of the problem, analyse and improve the system provided a solid theory. this chapter from the basic concepts, a brief analysis of the insurance guaranty fund system structure and characteristics and theoretical basis, the emphasis of the insurance guaranty fund system and moral hazard.The second chapter to the insurance guaranty fund system a more mature national institutions. this chapter is to examine the introduction of the united states, britain, japan and other countries of the system of insurance funds and by country is looking for the advanced experience of learning.The third chapter of the country's reunification with the insurance guaranty fund system. in fact a legislative and legal system, fund raising and finance infrastructure and systems and build the purpose of assets under management aspects in our insurance guaranty fund system, clarity problem the immediate need to solve the problem which led to our country under the insurance guaranty fund system to improve the idea.The fourth chapter through the first three chapters of the two, in the insurance guaranty fund system put forward practical recommendations. from the perfection of the old order to improve the existing system ; policy holders to establish another mechanism for financing options ;for constructing the insurance guaranty fund system of the new idea. in view of the importance of the risk rate and complexity, the risk rate in the feasibility of a preliminary analysis. The last deals with the insurance guaranty fund independence, the independence of our insurance guaranty fund system of vital importance.