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保险监管,就是国家保险监管部门对保险公司进行监督和管理。世界上不论发达国家,还是发展中国家,无不重视对保险业的监管。 一、保险监管的原因 1.是由保险业的公众性所决定的。保险公司能否按照合同履行赔偿或给付义务,关系到经济的稳定和人民生活的安定。必须有一个代表公众利益的部门来监督保险公司履行保险合同的义务。 2.是由保险业的竞争性所决定的。保险业是能够取得较大经济效益的行业,竞争十分激
Insurance supervision is the state insurance regulatory agencies to supervise and manage insurance companies. In the world, both the developed countries and the developing countries attach great importance to the supervision of the insurance industry. First, the reasons for the supervision of insurance 1 is determined by the public insurance industry. Whether an insurance company can perform its compensation or payment obligations in accordance with the contract concerns the stability of the economy and the stability of people’s lives. There must be a department that represents the public interest to monitor the insurance company’s obligation to fulfill its insurance contract. 2. It is determined by the competitiveness of the insurance industry. The insurance industry is able to obtain greater economic benefits of the industry, the competition is very exciting