【作者】 何勇生；

【导师】 翟云岭；

【作者基本信息】 大连海事大学 ， 国际法学， 2010， 博士

【摘要】 2007年以来,世界经济形势动荡不安,全球保险业均面临着前所未有的挑战,这种挑战对保险监管提出了更高的要求。健全的法律制度是现代文明的基石。纵观世界历史,依靠法制思想促进社会发展,通过建立一套完善的法律体制来推动文明进步的例证比比皆是。相比于我国保险监管仅仅二十几年的发展历史,国际上发达国家的保险监管发展较为完善,其中形成了以美国、英国、日本、德国四种较为典型的保险监管模式,对其研究借鉴有利于加快我国保险监管体制的改革与发展。市场经济本质上属于法治经济,法律制度是能否有效实施保险监管的关键,合理健全的保险监管法律制度对促进保险业健康发展的积极作用不言而喻,而保险监管法律制度也是随着保险业的发展而逐步完善的。尽管现在银行业、证券业和保险业构成现代金融的三驾马车,但是从目前国内的学术研究情况看,大量的学术资源仍被配置于银行业和证券业,相对来说保险业就缺乏足够的重视。近些年来,我国保险业发展势头异常迅猛,但和保险业的蓬勃发展相比,保险监管理论研究与创新则显得分外冷清。另外,从法学的角度对保险监管进行阐释归纳、分析总结的学术成果少之又少。在为数不多的有关我国保险监管的学术成果中,属于介绍性和知识性的文章又占据了绝大多数,而且主要还是从制度经济学的角度进行阐释。因此,本文的写作目的与理论意义在于结合开放环境下我国保险市场出现的一些问题和情况,站在一个全新的视角对我国保险监管法律制度的构建和创新进行研究。本文运用实证与规范分析、归纳与演绎分析、动态与静态分析相结合的研究方法,在借鉴一般保险监督管理理论、风险管理理论和一定的国际经济学研究成果的基础上,采取理论与实际、历史与逻辑相统一的方法首先归纳总结了保险监管的国际化趋势,对国际上四种典型的保险监管制度的形成和演进过程进行比较分析,得出对我国的保险监管体制的启示；其次分析了我国保险监管制度的发展历史及现实情况；最后,基于上述分析,从有效保险监管的理论及法律层面提出我国构建符合国情和国际趋势的保险监管体制的措施建议。本文的主要创新之处主要体现在：1.研究视角的独特性。从法学视角研究保险监管问题。2.拓宽了研究领域。本文指出法制化对于中国保险监管的意义并提出完善保险监管法制化的具体内容,保险监管问题的侧重点从监管机构如何有效监管转变为如何让监管机构有效监管,也就是如何对监管机构进行监管。同时,本文的研究因为研究视角和研究领域的创新导致整个理论体系不够成熟、不够完善,对相关问题的研究也不够全面,因此还需要在未来的研究工作中进一步加以完善。更多还原

【Abstract】 Since 2007,the world economy in turmoil,the global insurance industry are facing unprecedented challenges,such challenges to the insurance regulators put forward higher requirements.Modern civilization based on the excellent legal system, which is proved by the historical development of human society,and increasingly becomes people’s common understanding. It’s quite common in history to develop the social development and promote the civilization depending on the complete legal systems. Compared to only 20 years of China’s insurance regulatory history of the development of international regulatory developments on health care in developed countries are more perfect,which formed the United States,Britain,Japan,the more typical three kinds of insurance regulatory model,is conducive to speed up its study and learn China’s insurance regulatory system reform and development. The essence of market economy includes in the economy domained by law. The implementation of the insurance supervision must depend on relevant legal systems. Moreover,with.the development of insurance industry,the legal system of the insurance supervision is gradually improved and completed. At the same time,the perfection of reasonable insurance supervision legal system protects the healthy development of insurance. Though the banking,securities business and insurance have formed three carriages of modern finance,nowadays,a large amount of academic resources distributed by domestic scholars are belonging to banking and securities business,which shows the inadequate attention paid to the insurance. In recent years, the development of Chinese insurance has seen unusual power and strength. Compared with the flourishing of the insurance,the theoretical research and innovation on the management of insurance supervision has been seldom covered. On the other hand,among all numerable treatises concerning insurance supervision,the majority belongs to the introductory and intellectual articles,and makes the explanation mainly in terms of economics. There are very few talking about the explanation,summary, and analysis of insurance Supervision from the aspect of law science. Therefore,this paper aimed at insurance supervision law system’s construction in china. This paper used empirical and normative analysis,inductive and deductive analysis,dynamic and static analysis of a combination of research methods,drawing on the general insurance supervision and management theory,risk management theory and some research results of international economics,based on a theoretical and a practical,the unity of history and logic method. First,it summarized the trend of insurance regulatory internationalization and compared the formation and evolution of the four typical insurance regulatory systems which enlightened the insurance supervision system’s reform in China. Second,it studied the evolution of China’s insurance regulatory system and its status in quo.Third,it put forward suggestion on insurance supervision system which fit with situation of china and international trend base on effective supervision theory.There is two innovations. First is unique angle,it studied insurance supervision in point of law. Second is wide scope. It emphasized the significance of law in supervision and put forwards how to perfect the insurance supervision legal system.The emphasis of study changed from how to supervise of institution to how to supervise on institution. Meanwhile,there is shortcoming. The system of theory is not enough perfect and all-around. So it needs more study in future.更多还原