保险监管模式国际比较及借鉴

The International Comparison of Insurance Regulation Models and Its Implication

对世界三大地区及国际的保险监管模式,分别是美国的RBC模式、欧盟的SolvencyⅡ模式、瑞士的SST模式以及国际监管ISIA模式进行总结与比较,在分析国际保险监管制度特点及发展趋势的基础上,针对我国保险监管中实际存在的问题,探讨建立和完善"具有中国特色"的保险监管制度,以促进我国保险市场的健康和可持续发展。

This paper elaborated on the features and development of three major insurance regulation models around the world, namely the American RBC model, the EU Solvency II regulation model and the Swiss solvency test and International Association of Insurance Supervisors model. Based on the existing problems for insurance regulation in China,it discussed on how to build an insurance regulation with ＂Chinese characteristics＂ in order to promote the healthy and consistent development of the insurance market in China.