一、保险监管目标的确定以最小的成本为我国社会主义市场经济提供最佳的服务便成为我国保险监管的最高目标。具体来说,可分三个层次:(1)规范保险活动,使其符合法律、法规的要求和自愿、诚实信用的原则。(2)保证保险企业的偿付能力及实现保险交易的公平性和保险服务的 First, the insurance regulatory objectives to determine the minimum cost for our socialist market economy to provide the best service has become the highest goal of China’s insurance regulation. Specifically, it can be divided into three levels: (1) Standardize insurance activities so that they meet the requirements of laws and regulations and the principle of voluntariness, honesty and credibility. (2) to ensure the solvency of insurance companies and to achieve fairness in insurance transactions and insurance services