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论文编号：	7845
作者编号：	2120132816
上传时间：	2015/12/7 18:14:36
中文题目：	中国上市保险公司治理研究
英文题目：	The Research on Corporate Governance of Listed Insurance Company in China
指导老师：	张国萍
中文关键字：	上市保险公司;公司治理;股权结构;经营绩效;治理监管
英文关键字：	listed insurance company;corporate governance;ownership structure corporate performance;regulation and supervision
中文摘要：	公司治理究竟对企业来说有多重要？从上世纪中期公司治理研究兴起，公司治理就一直被学者们热议。历来关于公司治理的定义就有很多，有不少观点认为公司治理是对公司管理和控制的系统，是对于资金投入者得到回报的保证方式，或是一种规则和惯例的架构用于董事会确保公司和其所有利益相关者，包括出资人、客户、管理者、员工甚至是政府和社会等的关系，保证这种关系的责任性、公平性和透明度。不管公司治理怎么去诠释和定义，它的最终目标都是一定的，那就是在公司所有权和经营权分离的状态下通过管控和制衡机制，最高效的管理公司组织活动，完善经营管理，避免违法违规的行为，在实现公司经营目标的同时实现企业的社会责任。 伴随着我国改革开放，外资保险公司的不断涌入，我国的保险行业也日益复苏，高速发展。科技的飞速发展和各种创新的不断扩展，为我们生活带来活力、提供便利的同时也使我们的生活环境充满变换和未知，保险的存在使人们用当下的资产为自己或家人换取未来的保障。保险是风险管理的重要手段，是国家经济发展程度和人们生活水平的充分体现。保险之所以必要，保险公司治理之所以重要，很大程度上也是因为保险本身具有的强大的社会管理功能。商业保险的普及推广，帮助提升我国居民的社会保障水平。保险公司具有社保机构没有的产品多元、运营灵活、服务专业等优势，为我国社保体系提供源源不断的补给。受市场环境制约，我国保险公司大多一开始选择了海外上市，但随着我国经济环境及证券市场的不断发展，内地上市也成为了他们青睐的选择。随着2007年中国平安回归A股市场至今，我国内地共有四家上市保险公司。这四家公司的发展和公司治理建立和完善的历程也就代表了我国保险行业的发展和治理历程，也为今后我国其他保险机构的发展提供了研究样本和标杆模型。 本文在对国内外关于公司治理的一些主流言论进行回顾和总结后，首先对保险公司治理的特殊性进行了说明。然后在文章主体部分现就我国当下内地上市的保险公司整体及各自的治理现状进行了对比阐述，接着笔者就认为对公司治理其他方面因素及公司绩效影响可能最为直接的股权结构进行了实证分析，用面板回归分析了股权结构和保险公司绩效的关系。然后就四家公司治理中可能存在的问题进行一一说明，并在最后提出一些合理化的建议。
英文摘要：	How important is corporate governance to the enterprise? From the last century, as the research of corporate governance rising, corporate governance has been heated debate by scholars. There are many definitions of corporate governance, there are many views that corporate governance is the company's management and control system, is a guarantee for the return of funds, or a system of rules and practices for the board to protect the company and its stakeholders, and including investors, customers, managers, employees and even the government and social relations, to ensure that the relationship of responsibility, fairness and transparency. Regardless of corporate governance how to interpret and define, its ultimate goal is certain, which is through the separation of ownership and operating rights in the state, through control and balance mechanism, the most efficient management of company organization, to improve the management, to avoid illegal behavior, in the realization of the company's business objectives and meanwhile achieve corporate social responsibility. With China's reform and opening up, the continuous importing of foreign insurance companies, China's insurance industry is also recovering increasingly, and developing rapidly. The rapid development of science and technology and the continuous expansion of various innovations, to bring vigorous to our life, to provide convenient, but also make our living environment full of transformation and the unknown, the existence of insurance help people use the current assets for their own or family to get their future protection. Insurance is a vital means of risk management; it reflects the national economic development level and people's living standards. Insurance is necessary, insurance company governance is important, all because the insurance itself has a strong social management function. Popularization and promotion of commercial insurance can help improve the level of social security of Chinese residents. The social security agencies have not the product diversity, flexible operation, service and other advantages, but insurance company has and can provide a steady stream of supply for the social security system in our country. Limited by the market environment, China's insurance companies have begun to choose to go public overseas, but with the continuous development of China's economic environment and the stock market, the mainland market has become their preferred choice. With the China Ping An return to the A stock market in 2007, so far, there are four listed companies in mainland china. The course of development of the company and the establishment and improvement of corporate governance also represent the development of insurance industry in our country, and also provide a research sample and benchmarking model for the development of other insurance institutions in the future. This paper reviews and summarizes some of the main comments on corporate governance at home and abroad, and then explains the particularity of insurance company governance. Then in the main part of the article, the author describes the current situation of insurance companies and their governance, and then the author thinks that the corporate governance and corporate performance may be the most direct equity structure of the empirical analysis, using panel regression analysis of the relationship between ownership structure and insurance company performance. Then the problems in the governance of the four companies are described one by one, and some reasonable suggestions are put forward in the end.
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