保险监管模式法律问题研究
内容摘要:保险监管作为现代行政的组成部分，在保险业的发展中具有非常重要的作用。保险监管不仅有控制市场准入的作用，还可以引导创造保险公司的最大效益，同时，保险监管也是实现保险业的经济补偿职能的重要途径。所以，保险监管必须依法进行，如果没有保险监管法律制度，保险监管机关也就失去了监管的标准、依据和基本前提，保险人的行为将失去规范、约束和引导，保险市场将缺乏明确的指导与调控。故而，要实现有效的保险监管，就必须要完善保险监管法律制度。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。
本文由四部分构成：第一部分介绍了保险监管的理论基础问题，第二部分介绍了美日两国保险监管模式及国际保险监管的发展趋势，第三部分介绍了我国保险监管的法律现状及存在的问题，第四部分介绍了我国保险监管的对策分析及相关法案的制订对策。本文基于对现状的关注，通过对保险监管政策的探讨，认为应当健全完善我国的保险监管政策和法规，建立立体全面的监管体系，促进我国保险行业健康稳定向上发展。
关键词:保险监管，法律政策，法律制定
The Research on Legal Problems of
Insurance Regulatory Mode
Abstract:Insurance regulation as a modern administrative component, in the development of the insurance industry plays a very important role. Insurance regulation is not only the control market access role, can also lead to the creation of the insurance company the greatest benefit, at the same time, the insurance regulation is the insurance industry to achieve economic compensation functions of the important ways. Therefore, insurance supervision must be carried out in accordance with the law, if there is no legal system of insurance supervision, insurance regulatory authorities also lost the regulatory standards, basis and basic premise, the insurer behaviors will lose standard, control and guide, insurance market will be a lack of clear guidance and control. Therefore, to achieve effective insurance regulation, we must perfect the legal system of insurance supervision.After our country joins World Trade Organization will face more pressure of competition of the foreign insurance companies under the background, our country should choose what kind of insurance supervision mode, has become an important issue to be researched.
This paper consists of four parts: the first part introduces the basic theoretical issues of insurance supervision, the second part introduces the two countries insurance supervision mode and the development trend of international insurance supervision, the third part of the China Insurance Regulatory Law present situation and the existing problems, the fourth part introduced our country insurance supervision countermeasure analysis and related legislation the development of countermeasures. This article based on the current situation of attention, through to the insurance regulatory policy discussion, think ought to perfect our country's insurance regulatory policies and regulations, the establishment of three-dimensional comprehensive supervision system, promote China's insurance industry steady health to develop.
Key words: Insurance Supervision，Legal System，Law making
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