我国保险行业的监管体系研究——基于改革需求的角度

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1、万方数据山东大学硕士学位论文ABSTRACTInsuranceisanimportantindustryinthemodemsocietyforitisclosedtoourdailylife．ItisarelativelyshortperiodinChinasinceinsurancecameintoChinaSOtherelacksexperienceondesigningproductsandopermingcorporations．Inordertopromotethedevelopmentofinsurance，t

2、heremustbearegulationsystemwhichcoordinatestothemarketprovidingsupport．OnlyiftheregulationsystemmeetstherequirementsofthemarketCantheinsuranceindustryinChinafinditsownwayfortherapidandhealthydevelopmentinthefuture．Firstofall，thispaperintroducesthebackgroundoftheins

3、uranceindustryandliteraturereview．Followingthat，threetheoriesonregulationincludingPublicInterestTheory,CaptureTheoryandRegulationTheoryareintroducedinbrief．Theninthethirdpart，thispaperliststhehistoryoftheregulationsysteminChinaandconcludesthenecessityofreformingthe

4、currentsystem．Inmanydevelopedcountries，therearemorematureinsurancemarketsandlogicalregulationsystemoninsurance．BydoingresearchontheregulationsysteminmoredevelopedmarketssuchastheU．S．，Germany,TheGreatBritain，JapanandSingapore，thepaperconcludessuggestionsonthereforma

5、tionofthecurrentregulationsysteminChina．Intermsoftheinformationeconomics，basedoncompleteinformationstaticgametheory,agamemodelmadeupofinsurancecompaniesandregulationinstitutionsisshowninthefifthpart．Combinedtheresultsfromthegamemodelandthetheoriesintroducedbefore，t

6、hepaperconsidersthatthedemandforregulationfromthecompanieswilldecreaseandsimilarlythesupplyofregulationfromthegovernmentwillalsoreduceinthefuture．Takingthepracticalconditionsintoconsideration，loosingtheregulationandseekingforreformingthecurrentregulationsystemonins

7、uranceareurgentandessentialforthedevelopmentofthewholeindustry．Keywords：Insurance；Regulationsystem；ReformandinnovateII万方数据山东大学硕士学位论文第1章绪论1．1研究背景及意义2014年8月出台的《国务院关于加快发展现代保险服务业的若干意见》标志着我国保险业进入一个崭新的发展时期。这意味着，我国的保险业将从单纯的金融行业逐步向服务民生的金融支持性服务业进行转变。自此，我国保险行业在国家政策方面有了明确的定位和

8、发展方向。由于信息的不对称、外部性及垄断等因素的存在，市场经济的实际运行不可能呈现出完美的状态，因此，需要政府“看得见的手"的支持，来帮助市场更好地完成资源配置与利用。信息不对称的存在在保险行业中表现尤为突出，道德风险和逆向选择现象不仅使得保险行业运行效率低下，而且很大程度上导致保险业声誉