论信用产权与保险公司信用评级

信用是保险公司经营的基础,而我国保险公司普遍存在信用缺失的现象,其最根本的原因在于信用产权不明确。信用评级制度可以有效地明确信用产权,促进保险公司的信用建设,提高整个市场的效率。因此,加快推进我国保险公司信用评级体系建设具有重要意义。

On Credit Property Rights and Credit Rating of Insurance Company

Credit is the basis of insurance company.It is an universal phenomenon that insurance company has an shortage of credit in China,which directly results from poor supervision,poor management and unbalanced information in the market.However,the fundamental reason lies in the ambiguity of property rights.Credit rating can clarify the property rights of credit effectively,and push the construction of credit to improve the efficiency of the market.Therefore,it is important to set up credit rating system in China,which also provides new requirements of the industry.