我国保险格式条款行政监管比较分析

A comparative analysis of the administrative supervision on standard clauses of insurance contracts

保险合同行政监管是各种保险合同监管方式中最早的一种,同时也是必不可少的一种。我国历来重视对保险格式条款的行政监管。《合同法》、2009年修订的《保险法》、《消费者权益保护法》以及不少地方性法规都不同程度地规定了保险合同监管的主体、内容、方式、原则、宗旨等,这些规定一方面整体确立了保险监管的基本框架,同时又划分了监管主体各自的监管疆界。

The administrative supervision is the earliest method of supervision on insurance contracts, and also an indispensable one. China has always emphasized administrative supervision on standard clauses of insurance products. The Contract Law, the Insurance Law amended in 2009, the Law of the People＇s Republic of China on Pro- tection of Consumer Rights and Interests, and many local regulations have promulgated on the subjects, contents, methods, principles and goals of regulation on insurance contracts. Together they form the fundamental framework for insurance regulation, and at the same time, have laid down the boundary for various regulatory bodies .