我国保险行业反垄断法适用问题研究

发布时间：2018-05-08 13:15

本文选题：反垄断 + 保险市场　；参考：《山东大学》2017年硕士论文

【摘要】：作为市场经济的灵魂,竞争是推动经济发展的根本动力,维护基本的竞争秩序则是反垄断法的根本使命。我国《反垄断法》自2008年颁布以来在各个领域均发挥了维护市场竞争秩序,保障市场机制的重要作用。保险行业是经营风险的特殊管制行业,在适用反垄断法过程中,国家的产业政策、监管政策与竞争政策之间形成了交叉和矛盾,很多国家对此采取了反垄断豁免或适用除外制度的安排。在我国,保险行业反垄断法的适用过程中同样出现了一些特殊问题,具体包括《反垄断法》在保险费率厘定、共同保险行为、风险基础信息交换和制定标准保单条款等方面的适用出现了问题,是否应给予这些行为一定程度的反垄断豁免,成为摆在立法者、执法者和监管者面前的一道难题。本文针对这些问题,通过对基础理论的研究和国外经验的考察,提出完善我国保险行业适用反垄断法的建议。文章主要分为四个部分进行论述。第一章对保险行业适用反垄断法的基础理论进行了阐述。具体包括对反垄断豁免制度的探究和对保险行业特征的介绍。结合行业实际,通过对竞争政策、监管政策与产业政策的冲突分析,探究是否要给予保险业特殊行为豁免,以及哪些行为能够豁免的问题。同时通过保险业竞争执法管辖权的冲突研究,试图厘清保险业反垄断责任主体的问题。第二章对我国保险业适用反垄断法的现状和问题进行了考察。分别从反垄断豁免与适用除外的现行规定入手,对反垄断执法权的法律规定进行梳理。结合目前保险行业反垄断法适用中出现的保险费率厘定、共保行为、保险信息交换和标准保单条款涉及的反垄断问题进行了分别整理,就其中的矛盾和冲突进行梳理和分析。第三章对美国、欧盟和德国反垄断法对保险业的豁免制度和反垄断执法权的分配进行介绍。分析不同管辖权配置模式下的特点,为我国保险业反垄断法适用提供经验借鉴。第四章在前述基础上,从明确保险业反垄断法适用原则、完善行业反垄断豁免的规范体系、健全保险行业反垄断管辖机制三个方面对我国保险行业反垄断法适用问题提出了完善建议。
[Abstract]:As the soul of market economy, competition is the fundamental motive force to promote economic development, and the maintenance of basic competition order is the fundamental mission of antimonopoly law. Since its promulgation in 2008, China's Anti-monopoly Law has played an important role in maintaining the market competition order and ensuring the market mechanism. The insurance industry is a special regulatory industry for operating risks. In the process of applying the anti-monopoly law, the national industrial policy, regulatory policy and competition policy have become intersecting and contradictory. Many countries have adopted anti-monopoly immunity or the application of exclusion arrangements. In our country, there are also some special problems in the application of anti-monopoly law in insurance industry, including the setting of premium rate and joint insurance behavior. There are problems in the application of the exchange of information on risk basis and the formulation of standard policy provisions. Whether these behaviors should be granted a certain degree of antitrust immunity has become a difficult problem for legislators, law enforcers and regulators. In view of these problems, through the research of basic theory and the investigation of foreign experience, this paper puts forward some suggestions on how to improve the application of anti-monopoly law in China's insurance industry. The article is divided into four parts. The first chapter expounds the basic theory of the application of anti-monopoly law in insurance industry. It includes the exploration of anti-monopoly exemption system and the introduction of the characteristics of insurance industry. By analyzing the conflict between competition policy, regulatory policy and industrial policy, this paper explores whether to grant special behavior exemption to the insurance industry and which conduct can be exempted. At the same time, the author tries to clarify the subject of anti-monopoly responsibility of the insurance industry through the study of the conflict of the competition law enforcement jurisdiction of the insurance industry. The second chapter investigates the current situation and problems of the application of anti-monopoly law in China's insurance industry. Starting with the current regulations of anti-monopoly exemption and applicable exception, this paper combs the legal provisions of anti-monopoly law enforcement right. Combined with the insurance industry anti-monopoly law in the application of the insurance rate determination, co-insurance behavior, insurance information exchange and standard policy terms involved in antitrust issues are sorted out, the contradictions and conflicts among them are sorted out and analyzed. The third chapter introduces the exemption system of the insurance industry and the distribution of antitrust enforcement power in the United States, European Union and German antimonopoly law. This paper analyzes the characteristics of different jurisdiction allocation modes and provides experience for the application of anti-monopoly law of insurance industry in China. Chapter four, on the basis of the foregoing, makes clear the applicable principles of the anti-monopoly law of the insurance industry, and consummates the normative system of anti-monopoly exemption in the industry. Three aspects of perfecting the anti-monopoly jurisdiction mechanism of insurance industry are put forward to perfect the application of anti-monopoly law in insurance industry of our country.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.294

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