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保险公估业是服务于保险的三大中介(代理、经纪、公估)服务业之一。保险公估人行为是否规范,直接影响到广大投保人及保险人的利益,因此保险公估人的规范经营与制度监管必须有效的实施。目前,世界各国对保险公估业的监管主要有三种方式:政府监管,行业自律,社会监督。我国应在完善法制的基础上,加强政府监管,提倡行业自律,强化社会监督。
Insurance assessment is the insurance services in the three intermediary (agency, brokerage, public assessment) one of the services. Whether the behavior of the insurance assessors is normative will directly affect the interests of the majority of policyholders and insurers. Therefore, the normative management and system supervision of the insurance assessors must be effectively implemented. At present, there are mainly three ways that the countries in the world supervise the assessment of insurance companies: government regulation, industry self-discipline and social supervision. On the basis of improving the legal system, our country should strengthen government supervision, promote self-regulation in the industry and strengthen social supervision.