由于保险不对称问题的长期存在,导致了目前我国保险市场秩序比较混乱、违法违规经营现象较为普遍,投保人或者被保险人的合法权益在很大程度上得不到有效维护的局面,我国保险业直面诚信危机。要从根本上解决保险信息不对称问题,关键在于逐步提高保险经营和监管的透明度,促使保险公司在社会监督机制约束下依法合规经营, Due to the long-standing insurance asymmetry problem, the insurance market order in our country is quite chaotic. The phenomenon of illegal operation is relatively common, and the legitimate rights and interests of the policy holder or the insured can not be effectively maintained. To a large extent, China’s insurance Industry face integrity crisis. To fundamentally solve the problem of asymmetric insurance information, the key is to gradually improve the transparency of insurance management and supervision, prompting insurance companies to operate legally and legally under the constraints of the social supervision mechanism,