各国保险资金运用法律监管的比较与借鉴

The Comparison and Using for Reference of the Insurance Funds Exerting Superviseing in Law in Many Countries

西方发达国家的保险资金运用的方式比较齐全,能够进入的领域也相对较多,而且保险资金运用监管制度也十分成熟。但由于每个国家保险业的历史背景和保险市场状况不同,因而政府对保险资金运用的法律监管存在一定差别。主要有两种不同的类型:一类是以美国为代表的严格型监管,一般通过立法来规定保险公司资金运用的方式与限额。另一类是以英国为代表的宽松型监管,主要由保险公司进行自我管理。中国可以通过比较,借鉴、吸收外国保险资金运用监管法律制度的有益经验,来改进、完善我国保险资金运用法律监管制度,为我国保险业稳健地发展创造一个良好的法制环境。

The way of the insurance funds usage of the western and flourishing nation is more well-found, the realm that can enter is also opposite and more, and the insurance funds usage take charge of the system also very mature.But because of the history back- ground and the insurance market condition dissimilarities of the each national insurance industry, as a result the government takes charge of the existence to the law that the insurance funds make use of certain difference.Mainly have two kinds of different types：A with the United States for representative of strict type take charge of, pass the lawmaking generally to rule the way and the quota of the insurance company funds usage.Another type is to take England as to represent of loosen the type to take charge of, mainly be carried on the ego management by the insurance company.China can pass the comparison, drawing lessons from, absorbing the beneficial experience that the foreign insurance funds usage takes charge of the law system, improve, the perfect our country insurance funds usage law takes charge of the system, for the our country insurance industry steadily the development creates a good legal system environment.