保险公司股权监管的发展现状与不足

股权监管在保险监管体系中占据着重要地位。近些年来我国的股权监管制度不断完善,对股东资质、持股比例限制、入股资金来源等方面做出了详细的规定,但实践中也存在着司法评价与监管评价不一致、持股比例设置和监管限制程度不科学等诸多问题。未来我国的保险业的股权监管应从完善现行股权监管法律体系、增加信息披露要求、平衡监管与股权自治等方面着手,提高股权监管的科学性与稳定性,促进保险业的高质量发展。

Equity supervision plays an important role in the insurance supervision system.In recent years,China's equity supervision system has been continuously improved,and detailed regulations have been made on shareholdersz qualifications,shareholding ratio restrictions,and sources of equity hinds.However,in practice,there are many problems such as inconsistent judicial evaluation and regulatory evaluation,unscientit ic setting of shareholders7 shareholding ratios and regulatory restrictions.In the future,the equity supervision of insurance industry should improve the current equity supervision legal system,increase information disclosure requirements and balance the supervision and equity autonomy,so as to improve the scientificity and stability of equity supervision and promote the high-quality development of the insurance industry.