保险市场行为监管与消费者权益保护问题研究——基于破窗理论的保险市场调研分析

Research on the Regulation of Business Conduct and the Protection of Consumer Rights in Insurance Market——Investigation and Analysis for Insurance Market Based on Break Pane Law

现阶段,我国保险市场日益规范化,保险监管的力度不断增强,但仍存在诸多问题,伤害着保险消费者的利益,不利于保险市场的健康发展。基于法国经济学家巴师夏的破窗理论,采取了市场调研的方式了解到保险市场中销售误导、银保业务恶性竞争、财险业务理赔困难等"破窗行为"对保险市场的发展带来的危害,提出了加强保险市场行为监管对消费者权益保护的重要性,并得出了监管部门加强政策引导、行业协会加强宣传和教育、保险公司创新经营模式和内控制度、保险中介机构规范基层市场等保护消费者权益的对策。

At present, China＇ s insurance market has become increasingly standardized, insurance regula-tion strength increases ceaselessly, but still exist many problems, injury insurance consumers, is not conducive to the healthy development of insurance market. Based on French economist Bastiat＇ s theory of the broken win-dow theory, the authors analyzes the problems and harm of misleading in sale, vicious competition in bancassur-ance business, difficult in property insurance claims, emphnsizes the relationship betweer the insurance market behavior regulation and the protection of consumers＇ rights and interests, and proposes some countermeasures, e.g. the regulatory authorities strengthen policy guiding, industry associations strengthen the propaganda and ed-ucation, insurance company business model innovation and internal control system of insurance intermediary in-stitutions.