我国商业保险监管制度研究

发布时间：2018-02-04 20:41

本文关键词： 商业保险监管制度实践经验比较研究建议　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：商业保险对于维护社会稳定、融通资金需求、促进经济发展具有其他行业无可比拟的作用,是“社会稳定器”、“经济助推器”和资本市场上最重要的机构投资者。商业保险监管是金融监管的重要组成部分,与银行业监管、证券监管并列为金融监管的三大支柱,共同构成了我国金融业的分业监管体系。从本质上来说,市场经济属于法治经济,行之有效的保险监管要建立在完整可行的监管机制、监管法律基础上。进入新世纪以来,我国保险业在国民经济中逆势增长,保费规模跃居世界前三,保险资金成为资本市场最重要的机构投资者。保险市场在金融业中对外开放时间最早、对外开放程度最高,市场规模不断扩大,市场主体不断增加,对建立系统完善、体系精密、行之有效的商业保险监管制度,尤其是完善监管立法提出了更高的要求。长期以来,我国对银行和证券业的监管制度研究较多,研究体系也较为完善,但对商业保险监管相关问题研究较少,这与保险机构在金融体系中的系统重要性不相符,也与保险业在国民经济中日益提升的经济地位不相符。本文将立足国内保险监管实际,借鉴比较发达国家保险监管实践经验,围绕商业保险监管的基本概念和必要性、商业保险监管制度的基础和意义、发达国家保险监管制度经验、完善我国商业保险监管制度的路径探析等内容展开研究。
[Abstract]:Commercial insurance plays an unparalleled role in maintaining social stability, financing capital demand and promoting economic development. It is a "social stabilizer". The "economic booster" and the most important institutional investor in the capital market. Commercial insurance regulation is an important part of financial supervision, and it is the three pillars of financial supervision, along with banking supervision and securities supervision. In essence, the market economy belongs to the rule of law economy, and the effective insurance supervision should be established in a complete and feasible supervision mechanism. Since entering the new century, China's insurance industry has increased against the trend in the national economy, and the scale of insurance premiums has leapt to the top three in the world. Insurance funds become the most important institutional investors in the capital market. Insurance market in the financial industry is the first time to open to the outside world, the highest degree of opening, the market scale continues to expand, the main body of the market continues to increase. For the establishment of a perfect system, sophisticated system, effective commercial insurance regulatory system, especially the improvement of regulatory legislation put forward higher requirements. For a long time, China has more research on the banking and securities regulatory system. The research system is also relatively perfect, but there are few researches on commercial insurance supervision, which is inconsistent with the systemic importance of insurance institutions in the financial system. It is also inconsistent with the increasing economic status of the insurance industry in the national economy. This paper will base itself on the domestic insurance supervision practice and draw lessons from the practical experience of insurance supervision in the developed countries. Around the basic concept and necessity of commercial insurance supervision, the foundation and significance of commercial insurance supervision system, the experience of insurance supervision system in developed countries. To perfect the commercial insurance regulatory system in China, such as the path to explore the content of the study.
【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】：D922.28

【相似文献】