中国保险混业与分业监管模式选择

近年来,中国保险市场发展迅速,混业经营越来越明显,对保险监管的要求越来越高,保险监管越来越受到人们的重视[1]。保险业应该采取综合监管模式还是分业监管模式,世界各国的专家学者都有不同的看法,那么基于中国保险市场现在的发展情况而言,两种模式中哪一种才是适合中国保险业发展的监管模式,是本文中重点探讨的问题。本文从多个方面比较了综合监管模式与分业监管模式的差异性,并根据中国保险市场的发展情况,提出了中国保险监管应该采用的监管方式。

In recent years,China’s insurance market has been developing rapidly,and the mixed operation is becoming more and more obvious.The insurance regulation is attracting more and more attention.The insurance industry should adopt integrated supervision mode or separated supervision mode,experts and scholars around the world have different views.The paper focuses on the problems based on the development of the current China’s insurance market,the two models which are suitable for the development of China’s insurance industry.This paper compares the differences between the integrated supervision mode and the separated supervision mode from many aspects.And according to the development of China’s insurance market,the supervision mode which should be adopted in China’s insurance supervision is put forward.