略论中国保险监管模式之转化

中国加入WTO对保险业开放的承诺和中国正在进行的建立社会保障制度的努力,使保险业受到社会各界的空前关注,从市场效率的角度分析我国严格型保险监管模式的主要弊端,指出目前我国保险业的严格型监管模式并非最佳模式,进而提出由严格型向松散型监管转换的必要性和可能性,并对实现转换的配套环节提出了建议。

On Transformation of China''s Insurance Supervision Models

With Chinas entry to WTO, China is furthering its step to establish the social guarantee meehanism and fully open the insurance market. Under this background, the insurance industry in China is being the highlight of the economy. Therefore the regulation on insurance has become the hot topic for the industry.This paper first analyzes the theory of the necessity of insurance regulation: market invalidity and the publie product nature of insurance regulation contribute to the necessity of government regulation on insurance industry. The second of this paper is mainly introduce the insurance regulation practices abroad. Finally, this paper analyzes the shortcomings of Chinas present regulation mode in the way of market efficiency. Therefore, it concludes that the present strict regulation mode in China can not be the satisfactory one, for the government, it should take more actions to switch to loosen regulation mode. Here with the author's suggestions on the realization of the shift.