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建立现代公司治理结构和激励机制 ,使股权结构多元化 ,是国有保险公司产权改革的核心。简单地上市或引入多个国有法人股东虽然可以促成股权多元化 ,但达不到改善治理结构的目的。应通过引入战略投资者 ,重建控制权结构 ,从根本上改善其公司治理结构 ,使国有保险公司走向理性化经营轨道。合格的战略投资者有两类 :一是境外的战略投资者 ;二是民营战略投资者。引入境外战略投资者不会削弱国家的金融安全。民营保险公司在产权制度上的优势及我国保险业不合理的市场结构都为民营保险公司的生存和发展提供了很大的空间。同时 ,中国金融保险改革的深入必将在效率与控制力二者之间做出偏向于效率的选择 ,这就意味着引入民营资本 ,促进国有保险公司民营化进程的时机日趋成熟。
The establishment of modern corporate governance structure and incentive mechanism to diversify ownership structure is the core of the property rights reform of state-owned insurance companies. A simple listing or the introduction of a number of state-owned corporate shareholders can contribute to equity diversification but fail to improve the governance structure. We should fundamentally improve the structure of corporate governance by introducing strategic investors and rebuilding the structure of control power so as to make the state-owned insurance companies move towards rational management. There are two types of qualified strategic investors: one is the strategic investor outside the country; the other is the private strategic investor. The introduction of foreign strategic investors will not weaken the country’s financial security. The advantages of private insurance companies in the property rights system and the irrational market structure in China’s insurance industry provide ample room for the survival and development of private insurance companies. At the same time, the deepening of China’s financial insurance reform will inevitably make a choice that is biased towards efficiency in terms of efficiency and control. This means that the time is ripe for the introduction of private capital and the privatization of state-owned insurance companies.