我国保险行业监管问题研究

发布时间：2018-05-01 20:58

本文选题：保险监管 + 第三方监管　；参考：《东北林业大学》2013年硕士论文

【摘要】：目前我国保险监管以“一行三会”为监管主体的分业监管模式,以偿付能力监管、市场行为监管和公司治理结构监管为监管内容的监管框架已经初步建立,但还存在着许多问题。本文秉承“以人为本,服务为民,效率优先,稳中求胜”的总指导思想,分析了问题背后的原因,如保险监管部门同时担负着监管者和管理者的双重身份,在监管的同时控有多家国有保险公司股份；监管体系不够完善,监管主体间合作不够充分等；并得出结论,即构建有效的监管体系应为保险监管建设的第一要务。本文通过运用文献分析、实证分析和层次分析法进行研究,得出了我国保险监管问题的根本原因是我国保险监管体系不健全,监管主体层次不清晰、联系不紧密,以及没有明确的监管指标作为依据。这表示了我国保险监管事业的根基不牢固,会对我国保险监管事业改革构成障碍,导致了监管部门在履行监管职能时出现种种问题。要完善监管出现的问题,就要从根本原因出发,狠抓基础,逐渐完善我国保险监管体系。这是解决现行问题的根本方法。具体办法有：提升监管体系整体合力,协调体系内部联动性,发挥体系中每个部门的作用,提高整体监管能力等。本文还提出了一些创新性的对策建议,如监管主体要与相关部委建立合作机制、开展地市级保监局试点工作、人才选拔方向应该从应届毕业生向具有专业背景知识的社会人才转变、建立博士后工作站以坚持深化监管机构体制改革以及进一步调整内部职能等等。
[Abstract]:At present, the regulatory framework for insurance supervision in China, which takes "one line and three sessions" as the main body of supervision, has been preliminarily established, with solvency supervision, market behavior supervision and corporate governance structure supervision as the content of supervision. But there are still many problems. This article adheres to the general guiding ideology of "people-oriented, serving for the people, giving priority to efficiency and seeking success in stability", and analyzes the reasons behind the problem, such as the insurance supervision department bears the dual status of the supervisor and the manager at the same time. At the same time, it controls the shares of many state-owned insurance companies; the supervision system is not perfect, and the cooperation between the regulators is not enough; and the conclusion is that the construction of an effective supervision system should be the first priority of insurance supervision construction. Through the use of literature analysis, empirical analysis and analytic hierarchy process, this paper concludes that the fundamental causes of China's insurance regulatory problems are that the insurance regulatory system in China is not perfect, the level of the main body of supervision is not clear, and the relationship is not close. And the lack of clear regulatory indicators as a basis. This indicates that the foundation of insurance supervision in our country is not firm, which will constitute an obstacle to the reform of insurance supervision in our country, and lead to various problems when the supervision department performs its supervisory function. In order to perfect the problems of supervision, we must start from the root cause, pay close attention to the foundation, and gradually perfect the insurance supervision system of our country. This is the fundamental solution to the current problem. The specific measures are: to enhance the overall joint forces of the regulatory system, to coordinate the internal interaction of the system, to give play to the role of each department in the system, to improve the overall regulatory capacity, and so on. This paper also puts forward some innovative countermeasures and suggestions, such as establishing cooperative mechanism with relevant ministries and departments, carrying out pilot work of prefectural and municipal conservancy bureaus. The direction of talent selection should be changed from fresh graduates to social talents with professional background, and postdoctoral workstations should be set up to persist in deepening the reform of the supervisory system and further adjusting the internal functions, and so on.
【学位授予单位】：东北林业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3

【参考文献】