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1、第十二章保險監(jiān)管一、保險監(jiān)管概述二、保險監(jiān)管的主要內(nèi)容第一節(jié)保險監(jiān)管概述本節(jié)主要從三個問題進行闡述：保險監(jiān)管的定義保險監(jiān)管的部門保險監(jiān)管的目標(biāo)7/14/20212一、保險監(jiān)管的定義保險監(jiān)管是政府對保險業(yè)監(jiān)督管理的簡稱。保險監(jiān)管法又稱保險業(yè)法，在我國，保險業(yè)法是從屬于民法范疇的特殊法律規(guī)范。保險業(yè)法是對保險業(yè)監(jiān)督管理的法律，所以，保險監(jiān)管是保險法的一部分。7/14/20213保險監(jiān)管、行業(yè)自律和企業(yè)內(nèi)控存在一定的關(guān)系。保險監(jiān)管是政府為保護被保險人的合法利益對保險業(yè)依法監(jiān)管管理的行為。行業(yè)自律是在國家法律允許的條件下保險企業(yè)組織保險行業(yè)協(xié)會，制定同業(yè)公約和章程
2、以相互約束、維護保險行業(yè)整體利益的行為。企業(yè)內(nèi)控則是保險企業(yè)在國家法律和行業(yè)規(guī)定允許的范圍內(nèi)為維護本企業(yè)利益而采取的行為。7/14/20214二、保險監(jiān)管的部門1998年11月18日成立了中國保險監(jiān)督管理委員會，作為我國專門的保險監(jiān)督管理部門。7/14/20215中國保險監(jiān)督管理委員會的內(nèi)部機構(gòu)由財產(chǎn)保險監(jiān)管部、人身保險監(jiān)管部、保險中介監(jiān)管部、國際部、發(fā)展改革部、政策法規(guī)部、資金運用監(jiān)管部、財務(wù)會計部、統(tǒng)計信息部、辦公廳、派出機構(gòu)管理部、人事教育部、監(jiān)察局、機關(guān)黨組等14個部門組成。7/14/20216國家對保險業(yè)進行監(jiān)管的原因：保險事業(yè)的公共性（負債性、
3、保障性、廣泛性）；保險合同的特殊性（附合性、射幸性與保險監(jiān)管的關(guān)系）；保險經(jīng)營技術(shù)的復(fù)雜性（保險對象、承保范圍、保險價格計算和保險條款、法規(guī)慣例等）7/14/20217保險監(jiān)管的原因InsurersolvencyUnequalknowledgeandbargainingpowerProblemofpricingPromotionofsocialgoals7/14/20218InsurerSolvencyInsuranceisapromisetobedeliveredinthefuture–consumersfinditdifficulttoevaluate
4、andmonitorinsurersolvencytoprotectoneselfBankruptinsurers:Causeseriousproblemsforinsuredsduetothescopeandnumberofpeopleinvolved-severitypotentiallyenormousCompaniesareinaquasi-fiduciarypositionLifeinsurancecompaniesinvestasubstantialamountofsavingsAccountingandinvestmentshighlyreg
5、ulated7/14/20219UnequalKnowledgeandBargainingPowerImbalanceincompetitionofmarketplaceComplexityofcontractsInsuranceisanintangiblegoodDifficultforconsumertoevaluatesoapublicregulatorisneeded7/14/202110ProblemofPricingOpencompetitionpricingsaidnottoworkbecausepricesaresetbeforecosts
6、areknown-sometimesyearsConsumerscannotjudgetheadequacyofpricesSolvencyregulationsubstitutedforunrestrainedcompetition7/14/202111TypesofPriceRegulationPriorapprovalFileanduseOpencompetitionInthelifeinsurancebusinessthereisnodirectrateregulation.Rates,however,areindirectlyregulatedb
7、yreserverequirements.Thestatessetminimumreserverequirementsbasedonaninterestrate,mortalitytables,andmethodsofcalculation.Ifthecompanychoosestochargelessthanrequiredbyreserverequirements,thecompanywillshowaloss.7/14/202112PromotionofSocialGoalsIncreaseavailabilityofproductAssignedr
8、iskplans,jointunderwritingassocia
