合作治理视角下佛山市保险行业协会参与行业监管问题研究
发布时间：2018-12-29 09:21
【摘要】：随着经济的发展和保险市场进一步开放,保险主体逐年增加,我国保险市场竞争日益激烈,加上保险行业内部的自律需求都给保险监管带来沉重的压力和巨大的挑战。目前,我国的保险行业监管仍然是政府垄断型的,在主观的监管上和客观的管理上都存在无法克服的困难。相对于政府垄断型的他律而言,保险行业协会的在信息获取,监管动力,监管成本、监管深度等方面,都有不可替代的优势,可以弥补政府监管的不足。因此,在保险行业监管中,为了实现更有效的监管,除了加强政府的监管,还要充分保险行业协会的功能优势,让其积极地参与到保险监管中来。但是,当前我国的保险行业协会的发展面临着许多障碍,保险行业协会自律的功能优势在政府垄断型的保险监管框架下,并没有得到有效的发挥。本文着重研究佛山市保险行业协会的实际情况,引入合作治理的理论进行分析,阐明佛山市保险行业协会的现状和存在问题,提出保险行业协会应更好地参与保险监管,推进保险行业协会的自律监管,就需要建立“合作治理”的体制。在外部环境,要明确保险行业协会的法律地位,提升保险行业协会在合作治理中的主体地位;在协会的自身建设上,要完善自主治理结构,加强保险行业协会的自身能力建设,提升保险行业协会的行业地位,发挥保险行业协会在行业监管体制建设中的主体地位,充分发挥其自律监管的治理职能,在合作治理中发挥应有的功能和作用。
[Abstract]:With the development of economy and the further opening of insurance market, the main body of insurance is increasing year by year, the competition of insurance market in our country is increasingly fierce, and the self-discipline demand of insurance industry brings heavy pressure and huge challenge to insurance supervision. At present, the supervision of insurance industry in our country is still monopolized by the government, and there are insurmountable difficulties in subjective supervision and objective management. Compared with the monopolistic heteronomy of the government, the insurance industry associations have irreplaceable advantages in the aspects of information acquisition, supervision power, supervision cost, supervision depth and so on, which can make up for the deficiencies of government supervision. Therefore, in order to realize more effective supervision in the insurance industry, in addition to strengthening the supervision of the government, it is also necessary to make full use of the functional advantages of the insurance industry associations so that they can actively participate in the insurance supervision. However, at present, the development of insurance industry associations in China is facing many obstacles. The functional advantages of self-discipline of insurance industry associations have not been effectively brought into play under the framework of government monopoly insurance supervision. This paper focuses on the actual situation of insurance industry association in Foshan City, introduces the theory of cooperative governance to analyze the present situation and existing problems of insurance industry association in Foshan City, and points out that insurance industry association should participate in insurance supervision better. Promote insurance industry association self-regulation, need to establish "cooperative governance" system. In the external environment, it is necessary to clarify the legal status of insurance industry associations and enhance the main position of insurance industry associations in cooperative governance; In the self-construction of the association, it is necessary to perfect the self-governing structure, strengthen the capacity building of the insurance industry association, enhance the industry position of the insurance industry association, and give play to the main position of the insurance industry association in the construction of the industry supervision system. Give full play to its self-regulatory governance function, in the cooperative governance to play its due function and role.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.7;F203
，
本文编号：2394648
[Abstract]:With the development of economy and the further opening of insurance market, the main body of insurance is increasing year by year, the competition of insurance market in our country is increasingly fierce, and the self-discipline demand of insurance industry brings heavy pressure and huge challenge to insurance supervision. At present, the supervision of insurance industry in our country is still monopolized by the government, and there are insurmountable difficulties in subjective supervision and objective management. Compared with the monopolistic heteronomy of the government, the insurance industry associations have irreplaceable advantages in the aspects of information acquisition, supervision power, supervision cost, supervision depth and so on, which can make up for the deficiencies of government supervision. Therefore, in order to realize more effective supervision in the insurance industry, in addition to strengthening the supervision of the government, it is also necessary to make full use of the functional advantages of the insurance industry associations so that they can actively participate in the insurance supervision. However, at present, the development of insurance industry associations in China is facing many obstacles. The functional advantages of self-discipline of insurance industry associations have not been effectively brought into play under the framework of government monopoly insurance supervision. This paper focuses on the actual situation of insurance industry association in Foshan City, introduces the theory of cooperative governance to analyze the present situation and existing problems of insurance industry association in Foshan City, and points out that insurance industry association should participate in insurance supervision better. Promote insurance industry association self-regulation, need to establish "cooperative governance" system. In the external environment, it is necessary to clarify the legal status of insurance industry associations and enhance the main position of insurance industry associations in cooperative governance; In the self-construction of the association, it is necessary to perfect the self-governing structure, strengthen the capacity building of the insurance industry association, enhance the industry position of the insurance industry association, and give play to the main position of the insurance industry association in the construction of the industry supervision system. Give full play to its self-regulatory governance function, in the cooperative governance to play its due function and role.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.7;F203
，
本文编号：2394648
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