中国保险业差异化监管研究

Research on the Differentiated Regulation of China’s Insurance Industry

中国保险业整体运行稳健,同时面临多重挑战。保险监管者承担着防范化解风险、维持市场稳定的重要责任,需用发展的眼光优化调整监管模式。本文立足于保险市场现状和发展趋势,首先,提出对保险行业进行差异化监管来解决目前的监管有效性不足问题;其次,分析了现有监管模式的弊端,阐述了差异化监管的必要性和可行性,梳理了可行的分类方式及其监管要点;最后,给出了保险行业差异化监管的具体路径。

China’s insurance industry as a whole is running soundly,while facing multiple challenges.Insurance regulators bear the important responsibility of preventing and resolving risks and maintaining market stability,and need to optimize and adjust the regulatory model with a development perspective.Based on the current situation and development trend of the insurance market,this paper firstly proposes differentiated regulation for the insurance industry to solve the current problem of insufficient regulatory effectiveness;secondly,it analyzes the drawbacks of the existing regulatory model,elaborates the necessity and feasibility of differentiated regulation,composes feasible classification methods and their regulatory points;finally,this paper gives a specific path for differentiated regulation of the insurance industry.