《保险法》行政处罚的实践思考

行政处罚是监管的有效手段。2009年修订的《保险法》,强化了对保险违法行为的惩处,行政处罚设置较之修订前有了很大的完善。但在监管执法实践中,也发现有关规定还存在一些不够协调、清晰、完整以及其他不适应监管需要等问题。本文列举其具体表现形式,并建议通过法律解释、法律修订等手段加以完善。

Administrative penalty is an effective means of regulation. Insurance Law revised in 2009 strengthens the penalties for violations of the law, and articles of administrative penalty have been greatly improved. But there are also some defects found. In practice, some articles are not very harmonious, clear, complete and so on. This paper lists the specific manifestations, and provides some suggestions including legal interpretation and legal amendments.