| One of the important elements of the national insurance work in 2007 is to "deepening reform, expanding opening-up, increasing innovation, and increasing vitality." Insurance comprehensive management, as a kind of financial innovation mode, has attracted general attention of financial institutions, some powerful ones have put it into practice, and it has initially come into effect. Insurance comprehensive management will further strengthen the comprehensive competitiveness of domestic insurance industry in fully open financial market, and strengthen the competitiveness against the strong competition from foreign financial groups and the financial holding company. With the reform deepening, insurance comprehensive management is coming.Firstly, on the basis of theoretical analysis on synergies, economies of scope, effect of scale, and effect of cost, this article analyses the developed countries'experience in the development of comprehensive management and the successful experience of the large multinational insurance group, gets the general rules on insurance comprehensive management. And then, this article expounds the motive and the advantages of insurance comprehensive management in China, through the comparison of the modes of the insurance comprehensive management, and selects the most suitable operating mode—financial holding company. Finally, I raise some principles, ideas, and countermeasures to develop the insurance comprehensive management in China.Insurance comprehensive management is a double-edged sword. It can bring opportunities, development to the insurance industry, also can bring risks. If mistaking the strategic of the development of comprehensive management or lacking of prudential supervision, it will enlarge risks, and lead a serious consequence both to society and financial industry. We can't push forward insurance comprehensive management gradually and steadily unless we can fully use the opportunities brought by comprehensive management, and control risk. |
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