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保险是金融业的三大支柱之一。立足江苏保险市场现状,着眼于江苏保险事业的永续发展,研究探讨规范市场竞争,加强同业合作,具有重要而深远的意义。一、完善监管体系,培育健康有序的保险市场伴随着江苏国民经济的高速增长,我省保险事业也获得了迅猛的发展。保险供给主体由人保公司一家发展到如今的7家,1998年全省保险业务收入逼近100亿元大关。但由于保险业起步晚,保险市场的发育时间短,并且国家正处在计划经济向市场经济的转轨过程中,江苏保险市场仍然存在一些不和谐音符,主要表现在:一是社会保险和商业保险界限不清,市场准入没有规则,致使一些行政部门以社会保险为名变相经营商业保险。二是不经批准,在没有取得经营许可证的情况下,就擅自在江苏境内设立分支机构或中介机构招募代理人或派出业务人员,开展非法业务或异地展业。三是通过盲目降
Insurance is one of the three pillars of the financial industry. Based on the current situation of Jiangsu insurance market and focusing on the sustainable development of insurance in Jiangsu, it is of great and far-reaching significance to study and discuss how to regulate market competition and strengthen cooperation with its counterparts. First, improve the regulatory system and foster healthy and orderly insurance market Along with the rapid growth of the national economy in Jiangsu Province, our province’s insurance business also gained rapid development. Insurance supply by the PICC company developed a current 7 now, in 1998 the province’s insurance business revenue approaching 10 billion yuan mark. However, due to the late start-up of the insurance industry, the short development period of the insurance market, and the fact that the state is in the process of transition from a planned economy to a market economy, there are still some discordant notes in the insurance market in Jiangsu Province. The main manifestations are as follows: First, social insurance and commercial insurance There are no clear boundaries and no rules for market access, causing some administrative departments to run commercial insurance in the name of social insurance. Second, without approval, without obtaining a business license, it has arbitrarily set up branches or intermediaries in the territory of Jiangsu to recruit agents or send business personnel to carry out illegal business or off-site exhibition business. Third, through blind down