構(gòu)建我國(guó)保險(xiǎn)監(jiān)管體系的研究

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1、碩士學(xué)位論文、1ASTERlSTHESlS摘要中國(guó)保險(xiǎn)監(jiān)督管理委員會(huì)和中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)相繼成立。這一改革措旌形成了我國(guó)由銀監(jiān)會(huì)、證監(jiān)會(huì)、保監(jiān)會(huì)三大專業(yè)監(jiān)管機(jī)構(gòu)組成的金融監(jiān)管組織體系，解決了我國(guó)保險(xiǎn)業(yè)管理體制長(zhǎng)期存在的關(guān)系不順、力度不夠的問題，確立了我國(guó)保險(xiǎn)監(jiān)管機(jī)構(gòu)的獨(dú)立性，提高了保險(xiǎn)監(jiān)管機(jī)構(gòu)的權(quán)威性，確保了我國(guó)保險(xiǎn)業(yè)的健康發(fā)展。保險(xiǎn)監(jiān)管的主要目標(biāo)是為了維護(hù)保險(xiǎn)市場(chǎng)公平競(jìng)爭(zhēng)，維護(hù)保險(xiǎn)消費(fèi)者利益，維護(hù)保險(xiǎn)機(jī)構(gòu)的穩(wěn)定性及培育趣好的保險(xiǎn)市場(chǎng)。但目前我國(guó)的保險(xiǎn)監(jiān)管體系還存在許多不足和缺陷。隨著世界經(jīng)濟(jì)一體化引發(fā)的金融一體化，

2、保險(xiǎn)市場(chǎng)的全球化和自由化不斷提高，外國(guó)保險(xiǎn)資本搶灘中國(guó)，市場(chǎng)競(jìng)爭(zhēng)加劇以及加入WTO后的壓力，建立一個(gè)有效運(yùn)作的保險(xiǎn)監(jiān)管體系己成為迫在眉睫的問題。我國(guó)的保險(xiǎn)監(jiān)管應(yīng)通過加快保險(xiǎn)法制建設(shè)，構(gòu)筑符合我國(guó)國(guó)情的保險(xiǎn)法制體系，通過加強(qiáng)政府監(jiān)管、企業(yè)內(nèi)控、行業(yè)自律、社會(huì)監(jiān)督四位一體的監(jiān)管體制的建設(shè)，構(gòu)筑我國(guó)全方位、多層次的保險(xiǎn)法律監(jiān)管體制。通過加強(qiáng)與其它金融監(jiān)管機(jī)構(gòu)的溝通、協(xié)調(diào)，建立保險(xiǎn)監(jiān)管的交流與合作機(jī)制。關(guān)鍵詞：保險(xiǎn)監(jiān)督管理研究◎碩士學(xué)位論文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鋤extremelyurgentproblemtoestablishalleffectiveinsuranceregulatorysystem．TomaketheinsuranceregulationinChinabeperfect,weshouldestablish丑insurancelegalinstitutionssystemaccordingwiththeconditiono

8、fourcountrybymeansofspeedinguptheconstructionofinsurancelegalinstitutions；weshouldputupamulti-levelinsurancelegalregulatorysysteminalldirectionthroughst