保险产业政府规制的国际经验比较与借鉴

发布时间：2018-05-18 20:53

  本文选题：保险产业 + 规制　； 参考：《中国行政管理》2017年05期

【摘要】：中国保险产业整体起步较晚,行业规制理论与实践均不同程度地落后于欧美国家。西方发达国家的政府规制由"政府-市场"型框架向"政府-市场-社会"型框架转变,规制方式日趋丰富而多元。西方国家保险业规制的有益经验主要体现在构建系统的金融法律制度,全方位、多层次的监管体系,关注信息化技术进展,严格规范保险代理人行为,实施成本收益分析以及完善保险混业经营监管规范等方面。以发展、扬弃的观点对待西方国家规制经验,重点吸收其经验中的合理成分与纯技术分析,构建基于中国国情的政府规制理论体系。
[Abstract]:China's insurance industry as a whole started late, and the theory and practice of industry regulation lagged behind the European and American countries to some extent. The government regulation in western developed countries has changed from "government-market" framework to "government-market-society" framework. The beneficial experience of insurance regulation in western countries is mainly reflected in the construction of a systematic financial legal system, a comprehensive and multi-level regulatory system, a focus on the development of information technology, and strict regulation of insurance agent behavior. Carry out cost-benefit analysis and improve the regulation of insurance mixed operation and other aspects. From the point of view of development and sublation, this paper deals with the regulatory experience of western countries, and focuses on absorbing the reasonable components and pure technical analysis of their experiences, and constructs a theoretical system of government regulation based on the national conditions of China.
【作者单位】： 北京交通大学经济管理学院;
【基金】：北京市哲学社会科学研究基地课题“新常态下保险产业发展问题研究”(编号:15JDJGA080)
【分类号】：D630;F842
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本文编号：1907164