保险产业政府规制系统优化问题研究

发布时间：2018-09-19 06:07

【摘要】：保险产业复业至今已近四十年,见证了我国改革开放的历史时刻,也通过改革取得了快速的发展。但从保险产业政府规制的角度看,保险产业在发展中尚存在很多不足之处。保险产业的健康发展,既需要从业者的苦心经营,学者的深入研究,更需要政府从宏观层面进行规制。借助政府与市场部门的协同影响,才能保障维持保险市场的正常秩序,促进保险产业又好又快的发展。本文通过引入系统科学的相关思想和理论,从系统的视角构建了政府规制模式的概念、运作和分析框架,寄希望在理论分析中找到新型监管洞察模式。对我国保险产业规制进行分析,涉及到保险学、委托—代理学以及规制经济等领域,要应用的理论与分析方式也很多。本文在进行分析的时候,重点运用了规范研究与实证研究、对比分析和综合分析等研究方法。本文首先对我国保险产业政府规制所经历的四个阶段进行了梳理,并结合每个阶段的时代特点,分析了不同阶段保险产业规制的特点。在此基础上,从保险机构准入与退出、偿付能力、市场行为以及公司治理四个方面研究了保险产业政府规制的内容。并在当前经济新常态的背景下,分析了我国保险产业规制面临的机遇和挑战,同时对规制存在的主要问题进行了研判。然后提出保险产业政府规制优化框架,描述了规制模式系统的概念和系统特征。介绍了保险产业政府规制系统是一个由多个部分组成,具有层次性、动态性、开放性、非线性和一定目的性的系统。接着,构建了政府规制的运作模型,保险产业政府规制模式系统的运作是基于反馈的投入产出循环系统。最后,基于系统特征和运作模型,以最大化规制政策产生的效益和最小化规制政策导致的风险为目标,构建了保险产业政府规制模式的分析框架。基于这个分析框架,我们可以对现有的保险产业市场和规制进行分析,以及对其进行优化。并结合子系统分析的方法,从准入与退出规制子系统、偿付能力规制子系统、市场行为规制子系统和公司治理规制子系统四个方面,讨论了保险产业政府规制的子系统。同时,比较和借鉴西方国家的经验,分别为美国的两级式规制模式、日本的行政式规制模式、英国的松散式规制模式和德国的稳健式规制模式。最后,提出优化我国保险产业政府规制的对策建议。本文在和研究方法、研究框架、研究内容等方面体现出不同的创新点。运用综合的系统方法对我国保险产业政府规制进行了全方位的研究,并运用这一系统建立了我国保险产业政府规制的概念模型和运作模型,构建了保险产业政府规制模式的分析框架。在分析框架中进行了深入的分析和研究,最后提出了具有建设性的我国保险产业政府规制优化的对策。
[Abstract]:It has been nearly 40 years since the insurance industry resumed business, which witnessed the historical moment of reform and opening up in China, and also achieved rapid development through the reform. But from the angle of government regulation of insurance industry, there are still many deficiencies in the development of insurance industry. The healthy development of insurance industry requires the painstaking management of practitioners, the in-depth study of scholars, and the regulation of the government from the macro level. With the help of the coordinated influence of the government and the market department, the insurance market can be guaranteed to maintain the normal order and promote the insurance industry to develop well and quickly. By introducing the relevant ideas and theories of systems science, this paper constructs the concept, operation and analysis framework of the government regulation model from the system perspective, and hopes to find a new mode of supervision insight in the theoretical analysis. This paper analyzes the regulation of insurance industry in China, which involves many fields, such as insurance theory, principal-agent theory and regulation economy, and there are many theories and analytical methods to be applied. This paper focuses on normative and empirical research, comparative analysis and comprehensive analysis. This paper firstly combs the four stages of government regulation of China's insurance industry, and analyzes the characteristics of different stages of insurance industry regulation according to the characteristics of each stage. On this basis, the contents of government regulation of insurance industry are studied from four aspects: admission and withdrawal of insurance institutions, solvency, market behavior and corporate governance. Under the background of the new normal state of economy, this paper analyzes the opportunities and challenges faced by the regulation of insurance industry in China, and at the same time studies the main problems existing in the regulation. Then it puts forward the framework of government regulation optimization of insurance industry, and describes the concept and system characteristics of regulation mode system. This paper introduces the government regulation system of insurance industry, which is composed of several parts and has the characteristics of hierarchy, dynamics, openness, nonlinearity and definite purpose. Then, the operating model of government regulation is constructed. The operation of insurance industry government regulation mode system is based on feedback input-output circulatory system. Finally, based on the system characteristics and operational model, this paper constructs an analytical framework of government regulation model of insurance industry, aiming at maximizing the benefits of regulatory policies and minimizing the risks caused by regulatory policies. Based on this framework, we can analyze and optimize the existing insurance industry market and regulation. Combined with the method of subsystem analysis, this paper discusses the subsystem of government regulation of insurance industry from four aspects: admission and exit regulation subsystem, solvency regulation subsystem, market behavior regulation subsystem and corporate governance regulation subsystem. At the same time, comparing and drawing lessons from the experience of the western countries, respectively, the two-level regulation model of the United States, the administrative regulation model of Japan, the loose regulation model of the United Kingdom and the steady regulation model of Germany. Finally, the author puts forward the countermeasures and suggestions to optimize the government regulation of insurance industry in China. In this paper, and research methods, research framework, research content and other aspects reflect different innovation. The comprehensive systematic method is used to study the government regulation of insurance industry in China, and the conceptual model and operation model of government regulation of insurance industry in China are established by using this system. The analysis frame of government regulation mode of insurance industry is constructed. In the framework of analysis, the author makes a thorough analysis and research, and finally puts forward some constructive countermeasures to optimize the government regulation of insurance industry in China.
【学位授予单位】：北京交通大学
【学位级别】：博士
【学位授予年份】：2017
【分类号】：D630;F842

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