第十二章保险监管-精选课件(公开).pptVIP

第一节 保险监管概述 本节主要从三个问题进行阐述： 保险监管的定义 保险监管的部门 保险监管的目标 一、保险监管的定义 保险监管是政府对保险业监督管理的简称。 保险监管法又称保险业法，在我国，保险业法是从属于民法范畴的特殊法律规范。保险业法是对保险业监督管理的法律，所以，保险监管是保险法的一部分。 保险监管、行业自律和企业内控存在一定的关系。 保险监管是政府为保护被保险人的合法利益对保险业依法监管管理的行为。 行业自律是在国家法律允许的条件下保险企业组织保险行业协会，制定同业公约和章程以相互约束、维护保险行业整体利益的行为。 企业内控则是保险企业在国家法律和行业规定允许的范围内为维护本企业利益而采取的行为。 二、保险监管的部门 1998年11月18日成立了中国保险监督管理委员会，作为我国专门的保险监督管理部门。 中国保险监督管理委员会的内部机构由财产保险监管部、人身保险监管部、保险中介监管部、国际部、发展改革部、政策法规部、资金运用监管部、财务会计部、统计信息部、办公厅、派出机构管理部、人事教育部、监察局、机关党组等14个部门组成。 国家对保险业进行监管的原因： 保险事业的公共性 （负债性、保障性、广泛性）； 保险合同的特殊性 （附合性、射幸性与保险监管的关系）； 保险经营技术的复杂性 （保险对象、承保范围、保险价格计算和保险条款、法规惯例等） 保险监管的原因 Insurer solvency Unequal knowledge and bargaining power Problem of pricing Promotion of social goals Insurer Solvency Insurance is a promise to be delivered in the future – consumers find it difficult to evaluate and monitor insurer solvency to protect oneself Bankrupt insurers: Cause serious problems for insureds due to the scope and number of people involved - severity potentially enormous Companies are in a quasi-fiduciary position Life insurance companies invest a substantial amount of savings Accounting and investments highly regulated Unequal Knowledge and Bargaining Power Imbalance in competition of marketplace Complexity of contracts Insurance is an intangible good Difficult for consumer to evaluate so a public regulator is needed Problem of Pricing Open competition pricing said not to work because prices are set before costs are known - sometimes years Consumers cannot judge the adequacy of prices Solvency regulation substituted for unrestrained competition Types of Price Regulation Prior approval File and use Open competition In the life insurance business there is no direct rate regulation. Rates, however, are indirectly regulated by reserve requirements. The states set minimum reserve requirements based on an interest rate, mortality tables, and methods of calculation. If the company chooses to charge less than required by