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在我国全面开放保险业的背景下,保险业面临着挑战和机遇,保险监管亟待完善以适应新时期的要求。但是监管不是万能的,过度监管会造成对保险市场的创伤,甚至偏离了监管的根本目的;无效监管不仅浪费监管资源,损害监管者的权威,还会导致被监管者对监管无用的预期,进而在市场上实施更大胆的违规。因此,保险监管的主要矛盾和矛盾的主要方面就集中在如何提高保险监管的有效性即如何实施有效保险监管这个问题上。文章指出了保险监管中存在的一些问题,分析了影响我国保险监管实施有效性的制约因素,认为提高我国保险业监管有效性的主要措施是构建有效的保险业监管体系、改进保险业偿付能力监管、完善保险市场退出机制、加快建立保险信用评级制度。
Under the background of full liberalization of the insurance industry in our country, the insurance industry is faced with challenges and opportunities. Insurance supervision needs to be perfected to meet the requirements of the new era. However, regulation is not omnipotent. Excessive regulation can cause trauma to the insurance market and even deviate from the fundamental purpose of regulation. Invalid regulation not only wipes out the regulatory resources but also damages the authority of regulators, but also leads to the supervisors’ In the market to implement more daring violations. Therefore, the main aspects of the major contradictions and contradictions in the insurance supervision are concentrated on how to improve the effectiveness of insurance supervision, that is, how to implement effective insurance supervision. The article points out some problems existing in the insurance supervision and analyzes the restrictive factors that affect the effectiveness of the insurance supervision in our country. The main measures to improve the effectiveness of the supervision of the insurance industry in our country are to build an effective insurance supervision system, improve the regulation of the solvency of the insurance industry , Improve the insurance market exit mechanism, and accelerate the establishment of insurance credit rating system.