我国保险行业协会自律的反思与完善

Reflect and perfect on Chinese insurance trade associations self-discipline

评判保险业协会自律行为究竟属于垄断行为拟或类似于垄断行为,不能仅沿着单一的逻辑推演模式及通过简单比对反垄断法中规定的垄断行为种类做出定论,而应深入分析保险业协会自律的特殊意义和方式,结合保险的自身特点,以保险实践中存在的自律行为为基点进行综合判定。保险行业作为国家管制行业之一,在其理性竞争秩序尚未形成时,其自律行为应得到较大的立法宽容,方能有利于行业的稳定发展和维护投保人的最终利益。

Insurance Association of judging whether acts of self- regulation of a monopoly behavior, or act like a monopoly not only along a single mode and the logic of inference than a simple anti-trust provisions of the monopolistic behavior of the type to make a definitive, the analysis of the insurance trade should be carried out on the special significance of association of self- discipline and methods, combined with the charac- teristics of insurance to the existence of the insurance practice of self- discipline - based integrated to determine. State control of the insurance trade as one of the trade, in its order has not yet formed a rational competition, the self- regulatory acts of the Legislative Council should be more tolerant, can be beneficial to the trade and maintain the stable development of the ultimate benefit of policyholders.