新常态下保险产业规制问题研究

Research on the Regulation of Insurance Industry under the New Normal

新常态下,我国保险产业规制面临更加复杂的国际国内环境,在机遇与挑战并存的条件下,深刻认识保险产业规制存在的问题具有重要的理论意义和实践价值。对我国保险产业规制存在的主要问题进行研判,保险产业规制的服务理念需强化,对消费者权益保护的力度有待加强,以巨灾保险为代表的重要领域保险业务发展亟待推进,对互联网保险规范发展的规制有待加强,保险资金运用规制"管住后端"的能力有待提高。并有针对性地提出提高保险产业规制能力的对策建议。

Under the new normal, the regulation of China＇s insurance industry faces a more complicated interna- tional and domestic environment. Under the condition of both opportunities and challenges, it is of great theoretical and practical value to deeply understand the problems existing in the regulation of insurance industry. This paper analyzes the main problems in the regulation of insurance industry in China. The service concept of insurance in- dustry regulation needs to be strengthened and the protection of consumers＇ rights and interests needs to be strengthened. The insurance business, which is represented by catastrophe insurance, is urgent to be developed. Regulators regulate the development of Internet insurance standards to be strengthened. The use of insurance funds regulation ＂to manage the back -end＂ capacity should be improved. Finally, this paper puts forward some counter- measures and suggestions to improve the regulation ability of insurance industry.