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中国保险产业整体起步较晚,行业规制理论与实践均不同程度地落后于欧美国家。西方发达国家的政府规制由“政府-市场”型框架向“政府-市场-社会”型框架转变,规制方式日趋丰富而多元。西方国家保险业规制的有益经验主要体现在构建系统的金融法律制度,全方位、多层次的监管体系,关注信息化技术进展,严格规范保险代理人行为,实施成本收益分析以及完善保险混业经营监管规范等方面。以发展、扬弃的观点对待西方国家规制经验,重点吸收其经验中的合理成分与纯技术分析,构建基于中国国情的政府规制理论体系。
China’s insurance industry as a whole started relatively late, and both the theory and practice of industry regulation lagged behind those in Europe and the United States to varying degrees. The government regulation in the western developed countries has been transformed from the “government-market” model to the “government-market-society” model, and the mode of regulation has become increasingly rich and pluralistic. The beneficial experience of the insurance regulation in Western countries is mainly reflected in the establishment of a systematic financial legal system, a comprehensive and multi-level regulatory system, the development of information technology, the strict regulation of insurance agent behavior, the implementation of cost-benefit analysis and the improvement of mixed insurance management Regulatory standards and so on. Treat the regulatory experience of western countries from the viewpoint of development and abandonment, focus on absorbing the reasonable composition and purely technical analysis of their experience, and construct the theoretical system of government regulation based on China’s national conditions.