摘要
保护保险消费者的利益是保险业发展的基石。中国保险监管存在监管目标不明确,监管重点不突出,监管手段简单化等问题。中国保险监管体系应以保护保险消费者利益为首要目标,围绕运行机制市场化,保险经营与监管透明化,保险监管法制化与国际化来制定中国保险监管政策。确定保险监管的目标与政策是建立一国保险监管体系的核心,它从根本上影响着一国保险业发展的长期走势与绩效,但是从中国保险监管的现状来看,中国保险监管目标及其政策的不明确已影响到中国保险业的健康发展。在中国加入WTO,保险业面临发展与开放的双重压力之下,探索符合中国国情和国际惯例的保险监管目标及其政策,具有重要的现实意义。
Protecting the interest of insurance consumer is the foundation of insurance industry development, and it should be the first object of insurance supervision in China. The reformations of Chinese insurance supervision policy depend on the marketlization of running mechanism?the formalization and internalization of insurance management and the legal systemization of insurance supervision.
