我国保险监管存在的问题及对策.pdfVIP

2015 -09 -30 陕西广播电视大学学报 Spe.30 ,2015 SHAANXI RTVU JOURNAL Vol. 17 No. Z 第 17 卷增刊 [管理科学] 我国保险监管存在的问题及对策 陆宇莺 (陕西工商职业学院工商管理系，陕西西安 710119 ) [摘 要]保险业在社会发展和国民经济发展中有很大作用，关系到整个社会的发展和稳定。随着市场的不断开 放，我国保险业在迅速发展和壮大自身的同时，也将面临更为激烈的市场竞争，承受更多的可能来自国际金融保险 市场风险的影响。本文从界定保险监管的基本含义入手，分析了当前我国保险监管存在的问题，并就这些问题提 出了一些积极的对策，以此促进我国保险监管的进一步发展，加快推动我国保险监管制度的完善。 [关键词]保险;保险监管;对策 [中固分类号] 四42.0 [文献标识码] A [立章编号]1∞8-幅49(2015)Z -∞92 -05 China~ Insurance Regulatory Problems and Countermeasures Lu Yuying (Shaanxi Busine回 College ，汩汩1710119 ) Abstract :The insurance industryplays a significant role in social development and national economicdevelop- ment , related to the development and stability of society as a whole. With the opening of the market ,China sinsur- ance industrγin the rapid development and expansion of its own , also willface more intense competition in the mar- ket , it is more likely to withstand theimpact from the international financial and insurance market risk. In thispa- per , the basic meaning of the definition of insurance supervision , analyzesthe current problems of insurance re职lla­ tion exists , and on these issues putforward some positive measures , in order to promote the further development of- Chinas insurance regulation , accelerate the promotion of Chinas insuranceregulatory system perfect. Key words: Insurance ; insurance supervision; countermeasure 中国保险监督管理委员会(以下简称保监会)成立，标志着我国保险监管进入了现代监管时代。我国 的保险监管模式是单一的分业监管和直接的实体监管，通过一系列法律条文严格规定了保险企业的经营准 则。保监会对保险企业的监管内容不仅涉及范围广，并且限制性很强。这样的监管体制给我国保险业带来 了两方面影响。一方面有效降低了我国保险业的市场风险，但是另一方面却制约着我国保险业的进一步