论我国保险业的竞争法规制

【作者】 谌雪燕；

【导师】 朱沛智；

【作者基本信息】 天津师范大学 ， 经济法， 2008， 硕士

【摘要】 保险业在国民经济中处于重要的地位,具有稳定社会和发展经济的功能。长期以来,我国保险市场一直处于寡头垄断的状况,保险企业的市场竞争力普遍较低。随着中国加入WTO,大量的外资保险巨头进入中国保险市场,与此同时内资保险市场竞争主体逐渐增多,保险市场竞争加强。大量的损害竞争行为的出现,不仅严重侵犯了消费者的权益,而且也阻碍了保险市场的健康发展。因此,建立保险业的竞争法规制体系,完善保险竞争秩序,促进民族保险业的健康发展,已变得刻不容缓。本文运用比较分析的方法,在运用竞争法理论对保险业的适用分析基础上,结合我国保险业的实际情况,并借鉴国外的规制体系,就完善我国保险业的竞争法规制提出了几点建议:在保险市场中通过立法明确执法主体,加强监管主体的合作;发挥行业协会和社会监督的作用;实行以最低偿付能力为核心的监管模式;建立我国的保险业竞争法适用除外制度:并加大对损害竞争行为的惩罚力度等。更多还原

【Abstract】 Insurance industry plays an important role in the national economy. It has great functions on stabilizing society and developing economy. The insurance market in China has been monopolized for a long time. With China’s entry to WTO, a large number of foreign insurance giants enter China’s insurance market, which increases competition in insurance markets in China .It will be a challenge to the domestic insurance enterprises. Emergence of some damaging competitive behavior not only violates the rights of consumers but also deters the healthy development of the insurance market. Therefore, it has been urgent to establish the regulation system of competition law. Only this can we improve the insurance competition order and maintain a healthy development of insurance industry.Based on the analysis of the application of insurance law theories to insurance industry, and the present situation of the domestic and foreign insurance industry, this thesis has employed the comparison method and made the following suggestions to improve and perfect the regulation system of competition law in the insurance industry in China: making certain the main law enforcement by legislation; Increasing the supervisors ,for example, industry associations and community should play a supervisory role. At the same time, strengthening cooperation of these supervisors; the minimum solvency as the core mode of supervision; establishing the system of exception of application, and increasing the extent of punishment to damaging competitive behaviors.更多还原