论“三要”保险监管理念

On Insurance Supervision of ＂Three Must＂ Belief

科学的监管理念是制定科学监管政策、实施有效监管的前提和基础。本文根据保险监管的任务目标、角色定位和对保险监管者素质的内在要求，提出“监管要促进发展、监管要体现服务、监管要换位思考”的“三要”监管理念。树立“三要”监管理念既是实现保险业全面、协调、可持续发展的客观要求，又是保险监管自身发展的需要。因此，在保险监管实践中，应当贯彻“三要”监管理念，全面提高谋划发展的能力、服务发展的能力和保险监管的效能。

Scientific regulatory concept is the premises and basis in formulating regulatory policies and implementing effective supervision. Based on insurance regulatory tasks and target, role positioning and quality requirement for regulators ,this article brings forward the＂ three-should＂ regulatory idea, in another word, regulation should promote development, regulation should embody service, regulation should think from the angle of the regulated. To build up＂ three-should＂ regulatory concept is both the objective requirement of a comprehensive, harmonious and sustainable progress in insurance industry and the requirement of the development of insurance regulation itself. Therefore, we should carry out the＂ three-should＂ regulatory concept, enhance the ability in planning for and serving development, and raise efficiency of insurance regulation.