摘要
我国保险监管体制中存在监管对象不完全、信息披露机制不健全等弊端。目前，西方国家监管模式呈现出从市场行为监管向偿付能力监管转变、从机构监管向功能监管转变、从分业监管向混业监管转变、从严格监管向松散监管转变、保险信息公开化、保险监管法制化的发展趋势。完善我国保险监管体制的对策是：彻底明晰保险公司产权、进一步放开保险费率管制、完善偿付能力监管机制、完善信息传导机制、并探索功能性协调监管模式。
There are some problems in China＇s insurance regulatory system, such as incomplete regulatory target and imperfect information disclosure mechanism. Nowadays, the regulatory model is exhibiting some new trends in Western countries, that is, transiting from market behavior regulation to solvency regulation, from organizational regulation to function regulation, from separate regulation to mixed regulation and from stringent regulation to relaxed regulation, public disclosure of insurance information and legislation of insurance regulatory activities. The policies for perfecting China＇s regulatory system are to completely delineate the property right of insurance companies, further loosen the premium rate regulation, continue to perfect solvency regulation and improve the information conveyance mechanism, and at the same time, explore the functionally coordinated regulatory model.
出处
《保险研究》
CSSCI
北大核心
2006年第6期58-60,共3页
Insurance Studies
关键词
保险公司
监管体制
发展趋势
insurance company
regulatory system
development trend
