保险业适用反垄断法问题研究

Research on Application of Antitrust Law in the Insurance Industry

保险业是一个专业性较强且受到严格监管的领域,其在适用反垄断法时具有一定的特殊性,但是,不宜采用行业豁免的做法,而是应采取行为豁免的方法,即保险业原则上仍应适用反垄断法,但对于保险业所存在的某些特定的保险经营行为可给予反垄断豁免。应在反垄断执法机构与保险监管机构之间建立起协调机制,以保障保险市场的健康发展。

The insurance industry is a specialized and strictly regulated field, it has a certain particularity in the application of antitrust laws. However, it should not be given industry practices exemption, but should be given the conduct exemption, which means that the insurance industry should be subjected to the antitrust law, except for a certain kind of conduct of insurance business that may be granted to antitrust exemption. We should establish a coordination mechanism between the antitrust law enforcement agencies and insurance regulators in order to ensure the healthy development of the insurance market.