保险监管法律制度研究

发布时间：2018-03-17 10:54

本文选题：保险监管　切入点：体制　出处：《东北财经大学》2005年硕士论文　论文类型：学位论文

【摘要】：保险业在国民经济和社会发展中的作用举足轻重,关系到整个社会的稳定与发展。目前,我国保险业正处在发展上升的阶段,既面临着极为难得的发展机遇,国际、国内政治经济环境都对我国保险业发展十分有利,同时也面临新的挑战,特别是我国政府为认真履行加入世贸组织的承诺,进一步扩大保险市场的对外开放。外资保险公司业务范围和经营区域的扩大导致保险市场中形成新的竞争格局,这必将增大国内保险业的生存压力,加之保险市场主体的多元化,也会对整个金融市场秩序和我国金融安全产生重大影响。保险市场的变化与快速发展,进一步要求有一个完善和稳定的法律环境作保障。本文即是在保险业发展的新形势要求下,从经济法学角度对我国保险监管法律制度进行了理论探讨与现状研究,并且提出了若干完善的建议。本文从整体结构上看,除去前言外,共分四章。第一章是保险监管概述。这部分首先阐释了保险的相关概念和理论。在此基础上,运用经济学理论,对保险监管的必要性与可行性进行理论分析,进而探讨“保险监管”行为在实践中如何达到“最大正效应”。第二章是保险监管法律制度基本理论。这部分从经济法学的视角着手分析,从理论上超越了传统民商法的束缚与界定,将保险监管法律制度划归经济法部门进行研究。进而明确了保险监管法律制度的立法任务。第三章是保险监管体制概述。这部分通过对国外主要发达国家保险监管体制的评述,找出我国保险监管体制现状的不足之处。第四章是完善我国保险监管法律制度的构想,这部分主要是对进一步完善我国保险监管法律制度相关的制度提出了具体建议,主要论及偿付能力监管法律制度、保险资金运用监管法律制度,以及我国金融监管体制创新的立法构想三大内容。
[Abstract]:The insurance industry plays an important role in the national economy and social development, which is related to the stability and development of the whole society. The domestic political and economic environment is very conducive to the development of China's insurance industry, and at the same time faces new challenges. In particular, in order to seriously fulfill the commitments made by the Chinese government to join the WTO, Further expanding the opening up of the insurance market. The expansion of the business scope and business area of foreign insurance companies will lead to a new competitive pattern in the insurance market, which will inevitably increase the pressure on the survival of the domestic insurance industry. In addition, the diversification of the main body of the insurance market will have a great impact on the order of the whole financial market and the financial security of our country. The changes and rapid development of the insurance market further require a sound and stable legal environment. From the point of view of economic law, this paper makes a theoretical study on the legal system of insurance supervision in China, and puts forward some suggestions on how to improve it. From the overall structure, apart from the foreword, this paper is divided into four chapters. The first chapter is an overview of insurance supervision. This part first explains the related concepts and theories of insurance. On this basis, using economic theory, the necessity and feasibility of insurance supervision are analyzed theoretically. Then it discusses how to achieve the "maximum positive effect" in practice. The second chapter is the basic theory of the legal system of insurance supervision, which is analyzed from the angle of economic law, surpassing the shackles and definitions of the traditional civil and commercial law theoretically. The legal system of insurance supervision is assigned to the department of economic law, and the legislative task of the legal system of insurance supervision is clarified. The third chapter is an overview of the insurance regulatory system, this part of the foreign major developed countries through the review of the insurance regulatory system to find out the deficiencies of the current situation of the insurance regulatory system in China. Chapter 4th is the conception of perfecting the legal system of insurance supervision in our country. This part mainly puts forward concrete suggestions to further improve the legal system of insurance supervision in our country, and mainly discusses the legal system of solvency supervision. There are three main contents: the legal system of insurance fund application and the legislative conception of innovation of financial supervision system in our country.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2005
【分类号】：D922.284

【引证文献】