试论中国保险市场的培育和管理手段

发布时间：2018-05-11 02:42

本文选题：保险公司 + 中国保险市场　；参考：《经济问题探索》1993年03期

【摘要】：正近年来,随着经济体制改革的深入,保险需求的扩大,先后出现了太平洋、平安、人寿、农牧业等保险公司和局部地区的地方社会保险公司,还有某些部门自办的保险机构。应当承认,多家办保险,开展业务竞争,对发展和繁荣保险市场,扩大服务领域,发展中国保险事业创造了条件。然而,由于我国目前尚无权威的管理部门,对保险市场未能统一管理与制约,也没有一部完整的保险法规,在保险机构设置和业务竞争中出现一些混乱局面,既不符合平等、公正、公开的竞争原则,也不利于我国保险业向广度和深度发展。在国外,保险市场上的竞争也是十分激烈的。但他们的竞争是有法可依的,受主管部门严格制约的竞争。在英国,由工贸部主管,订有《保险公司法》、《保险公司管理条例》、以及《保单持有者法》、《保险经纪人法》。美国是一个联邦制国家,对保险业实行联邦政府与各州政府双轨管理,各个州都设有“保险署”进行管理,并有各州的保险法律。日本保险业由大藏省主
[Abstract]:In recent years, with the deepening of the reform of the economic system and the expansion of the insurance demand, insurance companies such as Pacific, peace, life, agriculture and animal husbandry, local social insurance companies, local social insurance companies, and some private insurance agencies have been established. It should be acknowledged that many insurance, business competition, expansion and prosperity of the insurance market, and expansion of insurance market, In the field of large service, the development of Chinese insurance has created conditions. However, because there is no authoritative management department in our country at present, there is no unified management and restriction on the insurance market, and there is no complete insurance regulation. There are some confusion situation in the establishment of insurance institutions and business competition, which does not conform to the equal, fair and open competition. However, it is also not conducive to the development of China's insurance industry in breadth and depth. In foreign countries, the competition in the insurance market is also very fierce. However, the competition in the insurance market is very fierce. But their competition is in accordance with the law and strictly restricted by the competent departments. In the UK, the Ministry of industry and trade is in charge of the insurance company law, the insurance company management regulations, and the policy of the insurance policy holder, and the insurance policy. The United States is a federal state, a federal state, a double track management of the federal government and the state governments, the administration of the "insurance department" in each state, and the insurance laws of the States. The Japanese insurance industry is the owner of the Tibetan province.

【作者单位】：杭州市保险公司

【相似文献】