湖南保险行业监管研究

发布时间：2018-03-02 06:09

本文关键词： 保险行业行业监管区域监管　出处：《湖南大学》2013年硕士论文　论文类型：学位论文

【摘要】：2008年美国金融危机效应的溢出，给世界的金融系统行业监管敲响了警钟，，促使监管机构重新思考行业监管的发展方向，作为专门经营风险的保险业，在行业监管上的需求更超出了其他金融行业，但我国的保险行业监管由于采用政府主导型监管方式，整体仍处于市场的初期阶段，这就导致保险行业在目前的市场环境下监管难以到位，即使是地区性的保险行业监管在大环境下也有处于政府失灵状态的可能，本文研究的目的和意义正在于寻求对发生该类监管失灵可能的防范。本文研究的核心内容是如何完善湖南省区域内的保险行业监管，并通过采用文献分析和比较分析的研究方法，全面对目前的湖南省保险行业监管状态进行分析，发现湖南省的区域保险市场仍处于早期市场状态下，社会信用体系的缺失使市场处于严格监管之下，整体存在监管主体发展滞后、制订的监管制度滞后以及监管力度失衡等问题，而这不利于良性的市场发展，必须从科学化、宽松化的角度来完善区域内的保险行业监管，香港保险市场的良性发展已证明了这点。本文通过借鉴国内外保险行业监管发达国家或地区的经验，结合湖南省保险行业监管发展的现状，就如何完善本地区的保险行业监管提出了一些建议。重点包括寻求通过对湖南省保险行业监管的主体结构构建、监管制度和体系建设、长期的客体意识培训以及信息管理的强化等方面的完善，来改变当前本地区保险行业整体监管紧，未能促成地区保险市场良性发展的情况。这些措施的提出，将可供本地区保险监管机构进行区域市场行业监管改变时给予一定的参考。
[Abstract]:In 2008, the spillover effect of the American financial crisis sounded the alarm bell for the industry supervision of the world's financial system, prompting the regulators to rethink the development direction of the industry supervision, as the insurance industry specialized in managing risks. The demand for industry supervision exceeds that of other financial industries. However, the insurance industry supervision in China is still in the early stage of the market because of the adoption of government-led supervision. This has led to difficulties in regulating the insurance industry in the current market environment. Even regional insurance industry regulation may be in a state of government failure under the general environment. The purpose and significance of this study is to seek possible precautions against the occurrence of this kind of regulatory failure. The core content of this paper is how to improve the supervision of insurance industry in Hunan Province, and by using the research methods of literature analysis and comparative analysis, the paper comprehensively analyzes the current supervision status of insurance industry in Hunan Province. It is found that the regional insurance market in Hunan Province is still in the early stage of the market, the absence of social credit system makes the market under strict supervision, and the overall development of the main body of supervision lags behind. The regulatory system developed is lagging behind and the regulatory intensity is out of balance, which is not conducive to healthy market development. Therefore, we must perfect the insurance industry supervision in the region from the perspective of science and leniency. The benign development of the Hong Kong insurance market has proved this. Based on the experience of developed countries and regions in China and abroad, this paper combines the current situation of insurance industry supervision and development in Hunan Province. This paper puts forward some suggestions on how to improve the supervision of insurance industry in this area. The emphasis includes the construction of the main structure, the supervision system and the system construction of the insurance industry supervision in Hunan Province. The long-term training of object consciousness and the strengthening of information management are to change the situation that the insurance industry in the region as a whole is under tight supervision and has not contributed to the healthy development of the regional insurance market. These measures have been put forward. It can be used as a reference for local insurance regulators to change the regulation of regional market industry.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.0

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