中国保险混业经营监管法律问题探究.pdf

经营必须的法律架构。中国保险混业经营的立法应顺应国际潮流，以效率、秩 序、安全为保险监管的基本精神。同时，要结合中国实际，把推动中国保险业 的可持续发展和构建和谐社会作为重要的价值取向，建立符合中国国情的完善 的保险监管体系。因此，本文最后对中国保险混业经营监管法的主要内容进行 了设计。 关键词：保险监管：混业经营；法律构建 Abstract thatChinawould out In StateCouncilmadeitclear 1993，the carryseparate infinancial lawswere as succession，severalpromulgated，such managing industry．In LaWand‘‘TheInsurance “TheCommercialBank Securities Law’，‘‘The Law,which basisfor andestablishedtheform．“TheInsurance providedlegal separatemanaging Law’also thatthelifeinsuranceandnon—lifeinsuranceshould stipulates manage separately． Theinsurance has all rolein separatemanagingplayedimportantstandardizing financial and thefinancialriskand the alleviating promoting order，reducing continuous inwholefinancial inthe meantime，insurance development industry．But some andcontradictions．For separationexposedproblems example，mutualseparation for inthefinancialthreebranchindustriesisunfavourableharmonious development in andinsurance restrictsthe in currency，capital markets．Thereby,itefficiency financial internationalfinancial hasbeen resources．At industry present，the andChineseinsurancemarkethasextende