Legal System Of Insurance Risk Control Study

The insurance risk is the risk that is formatted because the insurance business enterprise system is not sound, the management is not strict, the conduct is not norm and the insurance business has proper antinomy. The insurance risk mainly has the five major types: Liquidate ability risk, the funds risk, the management risk, the morals risk and the company's structure risk. To guard against and dissolve the insurance risk is one of the main targets of the insurance law system construction. This text researches towards the law system construction guarding against and dissolving of the insurance risk.Liquidate ability risk means that the insurance company has no ability that liquidates to the expire obligation. To guard against and dissolve the liquidate ability risk has five methods: First, is of improving the custody and management of funds. The second is of improving the custody and management of the insurance guarantee fund. The third is of improving the custody and management of insurance security funds. The fourth is of improving the custody and management of the total reserve.The funds usage risk means insurance risk that gather at the invest field. To guard against and dissolve the insurance funds usage risk at present, the key measure is opening the invest channel. We should allow the financial business enterprise hold stock mutually, allow the insurance companies get the bank business, allow the insurance companies get the stock certificate business, and allow the insurance companies get the industry investment field. At the same time, we should guard against the risk caused by the various management.The management risk means the risk that is formatted because the insurance executive does not obey by the insurance principle and laws. On one hand, we should guard against the risk caused by the insurance companies that engage in the pernicious competition. On the other hand, weshould guard against the risk caused by the insurance agency companies that engage in the pernicious competition.The insurance management morals risk means the risk that is formatted by the crime activity in the insurance management process. Guard against the morals risk, we should perfect the legislation concerning the insurance deceives, establish some new criminal charges, and make non- offense to establishing insurance organization without authorization.The company manage structure risk means the risk that caused by the no-specific inner management. We should build up the systematic laws concerning the insurance companies inner management, revise the company law , perfect the companies' internal power organization, perfect the mechanism to publish the companies' information , and establish the method of assessing the insurance companies'internalcontroC...