浅谈我国保险行业的不正当竞争及其矫正对策

保险业在国民经济中处于重要的地位,具有稳定社会和发展经济的功能。我国保险业经历了近30年的发展,经营主体虽然超过了100多家,但保险市场一直处于垄断竞争的状况,保险企业的市场竞争力普遍较低,存在一些不正当竞争行为,影响了保险业的发展。要进一步扩大保险市场的规模,促进保险业的发展,有必要在保险业引入竞争机制,消除不正当竞争行为。本文从我国保险业存在的不正当竞争的表现形式,分析了当前保险业反不正当竞争的法律法规现状和存在的问题,提出了建立保险业的竞争法规体系,完善保险竞争秩序,保护保险业的健康发展。

The insurance industry plays an important role in the national economy with strong functions as stabilizing society and developing economy. Our insurance industry has experienced nearly 30 years of development. Although there are more than 100 business units now, the insurance market has been in a situation of monopolistic competition. The market competitiveness is generally lower, and some acts of unfair competition seriously affect the insurance development. In order to further expand the scale of market and promote the development, it is necessary to introduce competition mechanism in the insurance industry with the purpose of eliminating the acts of unfair competition. Based on the forms of unfair competition in our insurance industry, the thesis analyzed the current status of laws and regulations which were against unfair competition as well as the problems. It proposed to establish a regulation system with competition, improve the competitive order, and protect the insurance industry for a healthy trend.