加强中国保险中介政府监管问题研究

发布时间：2018-03-27 10:44

本文选题：保险中介　切入点：政府监管　出处：《哈尔滨商业大学》2017年硕士论文

【摘要】：在市场经济快速发展的背景下,我国保险业取得长足的进步并形成了多元化发展的趋势,初步形成了有中国特色的保险体系。保险中介在保险产品销售和理赔服务中提供专业化服务的同时,也暴露出一些亟待解决的问题。保险中介人的行为既关乎保险人的利益,也对保险消费者产生重大影响。监管部门要加强对保险中介的监管以减少现存问题,确保投保人的利益及保险中介市场的健康运行。宏观上看,我国的保险中介的监管还处于发展初期,在体制、内容和监管模式方面存在着一些不尽人意之处:保险中介市场准入制度前后差异大;保险中介相关立法不健全;政府监管措施和力度有待加强;缺乏对保险中介的规范性引导等。这在一定程度上制约了保险中介的发展。政府作为保险中介的监管主体,应建立并完善保险中介监管的法律法规,并据此对保险中介行为和市场秩序进行监督管理。国外保险市场发展己经比较成熟,保险中介市场结构相对比较完善,尽管英国、美国、日本等发达国家的保险中介市场监管机构和法律、监管模式和内容各不相同,但其先进的保险中介监管经验值得借鉴和学习。我国政府要加强对保险中介的监督和管理,完善保险中介监管体系建设,转变政府职能以服务保险中介,加强行业自律,行使行协职能,加强社会监督,建立信誉评级;健全保险中介法律法规体系,借鉴国外先进经验,适度放松准入,推进保险中介从业人员多元化管理,梳理相关法律法规,加强保险中介机构内控制度建设;丰富保险中介市场监管手段,以法律手段为主,行政手段为辅,经济手段为补充,做到有法可依、宽严适度和奖罚分明。对保险中介监管提出合理化的对策和建议,对我国保险中介的发展具有重要的现实意义。
[Abstract]:Under the background of rapid development of market economy, China's insurance industry has made considerable progress and formed the trend of diversified development. An insurance system with Chinese characteristics has been initially formed. While insurance intermediaries provide specialized services in the sales of insurance products and claim settlement services, they also expose some problems that need to be solved urgently. The behavior of insurance intermediaries is not only related to the interests of the insurer, It also has a significant impact on insurance consumers. Regulators should strengthen the supervision of insurance intermediaries to reduce existing problems, to ensure the interests of policy holders and the healthy operation of the insurance intermediary market. From a macro perspective, The supervision of insurance intermediary in our country is still in the early stage of development, there are some unsatisfactory aspects in the system, content and supervision mode: the difference between before and after the insurance intermediary market access system, the insurance intermediary related legislation is not perfect; The government supervision measures and strength need to be strengthened, the lack of normative guidance to insurance intermediary, etc., which restricts the development of insurance intermediary to a certain extent. We should establish and perfect the laws and regulations of insurance intermediary supervision, and supervise and manage insurance intermediary behavior and market order accordingly. The development of insurance market abroad has been more mature, and the structure of insurance intermediary market is relatively perfect, although in Britain, In the developed countries, such as the United States, Japan and other developed countries, there are different regulatory models and laws in the insurance intermediary market, but its advanced insurance intermediary supervision experience is worth learning and learning. Our government should strengthen the supervision and management of insurance intermediary. To improve the construction of insurance intermediary supervision system, to transform government functions to serve insurance intermediary, to strengthen industry self-discipline, to exercise the function of bank association, to strengthen social supervision, to establish credit rating, to perfect the system of insurance intermediary laws and regulations, and to draw lessons from foreign advanced experience, Moderate relaxation of access, promotion of diversified management of insurance agency practitioners, combing of relevant laws and regulations, strengthening of internal control system construction of insurance intermediary organizations, enrichment of insurance intermediary market supervision means, mainly legal means, supplemented by administrative means, It is of great practical significance for the development of insurance intermediary in our country to put forward some reasonable countermeasures and suggestions for the supervision of insurance intermediary, which are supplemented by economic means, have laws to be followed, be lenient, strict and moderate, and reward and punish clearly.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D630;F842.4

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