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一、保险监管的成因分析 保险涉及各行各业、千家万户,具有极强的公众性和社会性。当具有信托性质的保险业在聚集起巨额保险基金成为国家重要的产业时,不仅直接影响到保险合同各方,还涉及了其他许多不直接参与保险交易的公众的利益。此时,维护公共利益就成为保险监管的首要理论基础。加之保险经营的特殊性质,更显示了政府监管的必要性:其一,保险是人们预先缴付保费而
First, the analysis of the causes of insurance regulation Insurance involves all walks of life, tens of thousands of households, with strong public and social. When the trusty nature of the insurance industry in the accumulation of huge insurance funds become a national important industry, not only directly affect the parties to the insurance contract, but also involves many other not directly involved in insurance transactions, the public interest. At this point, safeguarding the public interest has become the primary theoretical basis for insurance regulation. Coupled with the special nature of the insurance business, but also shows the need for government regulation: First, insurance is the premium paid in advance