油污责任险承保机构的监管模式探析——基于境外保赔协会代理机构的监管

目前,承保我国国内船舶油污损害责任保险的保险机构主要有商业保险机构和相互保险协会两类,除中国船东互保协会外,许多境外保赔协会也通过在华设立代理机构参与其中。但对这些机构的监管中出现了规章不适用、信息不对称等一系列问题,这对中国保险业和被保险人利益都有不利影响。因此,监管部门应通过审批条款、要求信息批露和统一监管等方式提高监管水平。

Two types of agencies are covering liability insurance for vessel - induced oil pollution damage in China, commercial insurance institutions and mutual - aid insurance institutions, including not only China Shipowners Mutual Assurance Association, but also agents of many overseas P＆I. Then problems arise from the supervision over these agents, such as the inapplicability of rules and information asymmetry, which have negative effects both on China＇ s insurance industry and the insured＇ s benefits. Therefore, the regulatory administration should heighten the supervision level by examining the terms, requiring the disclosure of public information and carrying through unified regulation.