保险监管模式法律问题研究

【作者】 郭玲；

【导师】 华国庆；

【作者基本信息】 安徽大学 ， 经济法学， 2003， 硕士

【摘要】 我国现代意义上的保险监管制度始于1985年，至今不过十多年时间。在我国市场经济体制逐步建立、国际上普遍出现放松保险监管以及中资保险公司在我国加入世界贸易组织将面对更多外资保险公司竞争压力的背景下，我国应选择什么样的保险监管模式，已成为一个亟待研究的重大课题。笔者以为，一国保险监管模式的构建不能脱离该国的国情和特定的发展阶段，与其找出一个放之四海而皆准的保险监管模式，不如针对本国市场的保险发育程度、经济发展阶段和所处的国际环境，有重点地定义本国政府监管在某个阶段的工作目标和工作重点，并随着情况的变化而不断做出调整。因此，本论文的研究并不主张一味放松监管，而是主张有进有退。 本篇论文由保险监管模式基础理论问题、各国保险监管模式比较研究、我国保险监管模式构建的法律思考三个部分组成。 在第一章中首先阐述了保险、保险监管及保险监管模式的涵义，并论证分析了保险监管法本质上属于经济法。 第二章介绍了美国、英国、日本、德国、韩国、新加坡等国的保险监管模式具体内容及其发展，并探讨了保险监管模式的国际发展趋势。 第三章对我国的严格保险监管模式在实践中的效果作一具体分析，指出面对经济全球化以及世界贸易组织的要求，我国应从严格监管逐步走向以市场为导向的松散监管；监管的重点应放在对保险公司的偿付能力监管，但又不放松严重干扰保险市场秩序、侵害投保人利益的市场行为监管；同时应加强中国保险监督管理委员会的法律地位。更多还原

【Abstract】 It has been just a short time since China introduced modern system of insurance regulation. Giving the establishing of market economy system in China, the trend of insurance deregulation internationally, and competition pressures on domestic insurers from foreign insurers upon China’s entry into WTO, in which direction China’s insurance regulatory system will deve I op i s a ma i n research top i c. The author th i nks the construction of insurance regulatory pattern in one country can’t be separated from its particular state of the nation. It is better to define the government regulation’s goal aim and job emphasis through the market’s developed degree,economical development and surrounding world circumstances, than to find universal regulatory system, and the aim should be adjusted with the change of situation. So the thesis brings forward deregulation and regulation on different aspects.The thesis includes three parts, that is the basis theory of the insurance regulatory patterns, the contrast and research of the world insurance regulatory patterns and the legal thought of the construction of China’s insurance regulatory pattern.Chapter 1 first gives a definition of insurance, insurance regulation and insurance regulatory pattern, then demonstrates the insurance regulation law belongs to the economic law in essence.Chapter 2 introduces the concrete contents and development of the insurance regulatory pattern in different nations, and discusses the internalization tendency of insurance regulatory patterns.Chapter 3 analyzes the performance effect of China’s insurance regulatory pattern, and concludes with the entry into WTO, we should adopt deregulation direct to the market from the str i ct I y regu I at i on of the past step by step; the key of regulation is solvency’s regulation to insurers, at the same t i me some market conduct regu I at i on can’t be deregu I ated, such as serious disturbance to insurance market and violation to the consumers’ interests; strengthen the legal status of China’s insurance regulator.更多还原