提高保险监管效率的对策探讨

Research on How to Improve Efficiency of Insurance Supervision

保险经营的技术性、负债性、社会性以及信息的非对称性,决定了保险业必须被纳入依法监管范畴,以弥补市场失灵的负面作用。由于存在保险监管资源有限、监管理念有待完善、监管信息不透明等问题,保险业"三乱五假"现象难以从源头上被遏制,阻碍了保险监管效率的提升。建议优化监管程序和理念,与保险公司内控相结合,充分利用信息化建设进行公示性监管,以提高监管效率、规范我国保险业有序健康发展。

Considering the insurance operation is indebted, social, technical and the asymmetric information, the insur- ance regulatory is specially important. Because of the limited insurance supervision resources, immature principle and infor- mation of the insurance regulator, the insurance market is unordered, hinders efficiency of insurance regulatory. Insurance reg- ulator needs to optimize regulatory principle and procedure. Besides, they should alliance internal control department and make use of public disclosure, so that can improve the efficiency of insurance supervision.