我国保险中介机构监管问题研究

发布时间：2018-01-26 11:29

本文关键词： 保险中介机构法律监管信誉体制行业自律机构　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：保险行业随着社会化生产的日渐繁荣逐渐出现了精细分工的趋势,我国保险市场主要分为保险人、投保人和保险中介这三类主体,这三类主体中保险中介占据了很重要的地位,中介机构的出现推动了保险市场发展,也起着独特的作用。虽然它诞生的时间短,但已经潜移默化的深入到现在的社会生活中,逐渐被人们认识并接受。保险中介机构可以分为保险经纪人、保险代理人和保险公估人,三者之间存在着联系,又因为其在保险市场中的不同作用相互独立。逐渐形成了有机的运营机制,成为保险中介市场重要的组成元素。同时可知,保险中介机构和保险公司的业务往来反映保险市场的专业技能水平和集约化经营程度。直到二十世纪末,我国的保险中介行业才开始发展起来,到现在为止只经历了二十几年的时间,虽然保险中介行业在立法上取得了一定的成果,但是无论是实践研究还是理论研究都不能满足现在保险市场发展的需求,为了保障保险供求双方平衡且独立的关系,一套完备的保险中介监管制度就成为日渐重要的后备力量,尤其在法律层面上的制约尤为重要。我们可以发现现有的法律制度起着关键作用。特别是在新颁布的《保险法》里,法律规制更显成熟,多层面上对保险中介做出详细的规定。但是仍有很多需要进步的空间,比如法律的滞后使现有的法律法规无法满足日益发展的保险中介市场的需求,这就导致了保险市场环境下出现更多的困境。笔者将借鉴国际成熟的保险中介市场,结合当下我国特有的保险中介机构状况和问题浅析如何走出法律监管制度的困境。国际环境日渐成熟稳定,外资积极参与我国的保险市场促使我们尽快建立与之匹配的保险中介机构监管制度,在这种状况下要抓住机遇,迎接挑战,为我国保险行业的专业化、现代化、国际化道路扫除障碍。同时,细化相关法律法规,拓宽监管领域,引入国际司法实践优质的部分,结合我国中介行业存在的问题和困境,为法律监管对策提出更加合理及科学的依据。
[Abstract]:With the increasing prosperity of socialized production, the insurance industry has gradually appeared the trend of fine division of labor. The insurance market in China is mainly divided into three categories: insurer, policy holder and insurance intermediary. Insurance intermediary occupies a very important position in these three kinds of subjects. The emergence of intermediary institutions has promoted the development of insurance market and played a unique role, although it was born for a short time. However, the insurance intermediary can be divided into insurance broker, insurance agent and insurance assessor, which is connected with each other. And because of its different roles in the insurance market independent of each other, gradually formed an organic operation mechanism, become an important element of the insurance intermediary market. At the same time, we can know. The business transactions between insurance agencies and insurance companies reflect the level of professional skills and intensive management of the insurance market. Until the end of 20th century, the insurance intermediary industry in China began to develop. So far it has only experienced more than 20 years, although the insurance intermediary industry has achieved certain results in legislation, but neither practical nor theoretical research can meet the needs of the current development of the insurance market. In order to ensure a balanced and independent relationship between supply and demand, a complete insurance intermediary regulatory system has become an increasingly important reserve force. Especially in the legal level constraints are particularly important. We can find that the existing legal system plays a key role. Especially in the newly promulgated "Insurance Law", the legal regulation is more mature. There is still a lot of room for improvement, such as the lag of the law makes the existing laws and regulations can not meet the needs of the growing insurance intermediary market. This has led to more difficulties in the insurance market environment. The author will learn from the international mature insurance intermediary market. Combined with the unique status and problems of insurance intermediary organizations in China, this paper analyzes how to get out of the dilemma of the legal supervision system. The international environment is becoming more and more mature and stable. The active participation of foreign capital in the insurance market of our country urges us to establish the insurance intermediary institution supervision system matching with it as soon as possible. Under this condition, we should seize the opportunity, meet the challenge, and be specialized and modernized for the insurance industry of our country. At the same time, we should refine the relevant laws and regulations, broaden the regulatory field, introduce the high-quality part of international judicial practice, and combine the problems and difficulties of the intermediary industry in our country. It provides a more reasonable and scientific basis for legal supervision.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

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