构建我国保险监管体系的研究

《构建我国保险监管体系的研究》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、硕士学位论文、1ASTERlSTHESlS摘要中国保险监督管理委员会和中国银行业监督管理委员会相继成立。这一改革措旌形成了我国由银监会、证监会、保监会三大专业监管机构组成的金融监管组织体系，解决了我国保险业管理体制长期存在的关系不顺、力度不够的问题，确立了我国保险监管机构的独立性，提高了保险监管机构的权威性，确保了我国保险业的健康发展。保险监管的主要目标是为了维护保险市场公平竞争，维护保险消费者利益，维护保险机构的稳定性及培育趣好的保险市场。但目前我国的保险监管体系还存在许多不足和缺陷。随着世界经济一体化引发的金融一体化，

2、保险市场的全球化和自由化不断提高，外国保险资本抢滩中国，市场竞争加剧以及加入WTO后的压力，建立一个有效运作的保险监管体系己成为迫在眉睫的问题。我国的保险监管应通过加快保险法制建设，构筑符合我国国情的保险法制体系，通过加强政府监管、企业内控、行业自律、社会监督四位一体的监管体制的建设，构筑我国全方位、多层次的保险法律监管体制。通过加强与其它金融监管机构的沟通、协调，建立保险监管的交流与合作机制。关键词：保险监督管理研究◎硕士学位论文MASTER’STHESISChinaInsuranceRegulatoryCommissi

3、onandChinabankingRegulatoryCommissionwereestablishedinsuccession．ThisreformationmeasureformsthebankingregulatoryorganizationsystemconsistedofCIRC，CSRCandCBRCthreespecializedregulatoryorganizationinourcountry．Itsettlestheproblemthattherelationshipisnotsmoothandthep

4、owerisinsufficient,whichexistedinourinsuranceadministrationsystemoveralongperiodoftimeItestablishestheindependencyofourinsuranceregulatoryorganization，improvestheauthorityofourinsuranceregulatoryorganizationandensuresOurinsurancedevelopmentinagoodhealth．Themaintar

5、getofinsuranceregulationistoprotecttheimpartialcontestintheinsurancemarket,todefendthebenefitoftheconsumer,bmaintainthestabilityoftheinsuranceorganizationandtobreedabetterinsurancemarket．Buttherearemanydeficienciesinourinsuranceregulatoryorganizationatthemoment．In

6、thewakeoftheworldeconomicintegrationandbankingintegration,lkliberalizationandintegrationoftheinsurancemarketdevelopcontinuously．TheforeigninsurancecapitalrushtooccuPYChinesemarket．Thecontestoftheinsuranccmarketisintensified．AfterChinajoinedtheWorldTradeOrganizatio

7、n，theChineseinsurancetradearefacedwithtremendouspressure．Therefore,itis锄extremelyurgentproblemtoestablishalleffectiveinsuranceregulatorysystem．TomaketheinsuranceregulationinChinabeperfect,weshouldestablish丑insurancelegalinstitutionssystemaccordingwiththeconditiono

8、fourcountrybymeansofspeedinguptheconstructionofinsurancelegalinstitutions；weshouldputupamulti-levelinsurancelegalregulatorysysteminalldirectionthroughst