中国省域保险监管制度研究
摘要
未来一段时期,中国保险业仍将处于快速发展期。快速发展期也是问题集中暴露期。如何更好地解决快速发展中面临的各种问题,使保险业不仅发展得快而且发展得好,对保险监管提出了挑战。我国保险监管体系的形成过程与美国和欧盟不同,我国是先有全国性的监管机构然后有省级和地市级的监管机构,美国则是先有州监管机构然后才有全国性的监管机构,欧盟是先有各国监管然后才有欧盟监管。也就是说,我们是自上而下他们是自下而上来建立保险监管机构和体系的。金融危机以来,美国和欧盟加强了宏观金融监管,旨在防范系统性风险。我国保险业的情况与美欧既有相似又有不同,相同的地方是宏观审慎监管需要加强,不同的地方是由于我国保险业的发展阶段和监管现状不同,不仅需要加强宏观监管,也需要加强中观和微观监管;在加强国家层面保险监管的同时,更需要重视省域保险监管。
我国保险业务主要发生在省域,保险市场竞争主要集中在省域,相应的保险监管力量也主要投放在省域。省域保险监管在防范省域市场风险、维护市场秩序、保护保险消费者的合法权益等方面都具有重要作用。随着保险业的快速发展,省域保险监管承担的责任将越来越重,但省域保险监管目前存在监管力量不足、监管理念不尽一致、监管任务不够明确、监管规则需要进一步完善、监管的方式方法需要改进等问题。保险业改革发展的基本经验,就是必须把握市场发展和监管规律,用反映市场特征和监管要求的理论指导实践,并在实践中不断地充实完善和创新理论,用新的理论成果指导和促进实践发展。解决好省域保险市场发展的阶段性矛盾和问题,需要一个完整的监管理论体系来支撑。现阶段,省域保险监管制度还没有定型,还在不断改进和完善中,国内已有的保险监管研究侧重于宏观和微观层面,对省域这个中观层面的保险监管研究相对滞后,更没有形成系统的省域保险监管理论体系。因此,研究省域保险监管,完善与探索创新能有效衔接宏微观的省域保险监管理论,不仅具有迫切的、现实的指导意义,而且是对保险监管理论创新的推动和丰富。
本文借鉴国际经验,结合中国保险业发展和监管的实际,立足中观层次视角,紧紧围绕省域保险监管这一主题,运用科学系统、规范研究、观察总结等方法,主要探讨了三个方面问题：一是研究如何合理设置省域保险监管机构和配备相应力量,提高监管体制的科学性,解决“谁来监管”问题；二是明确监管目标、职责,提高监管规范性,解决“监管什么”问题；三是研究如何改进监管的方式方法、完善监管规章,提高监管有效性,解决“如何监管”问题。通过对以上三方面问题较为深入系统的研究,加深我们对省域监管基础性问题的认识,有利于提高监管的科学性、规范性和有效性,有利于防范省域保险市场风险、维护省域保险市场秩序、更好地保护保险消费者的合法权益,促进保险业持续平稳健康发展,同时也为有关部门深化保险监管制度改革提供支持。
在研究过程中,论文遵循以下研究思路与路径：收集并梳理保险监管制度与理论、区域经济与区域监管理论有关研究成果,重点研究美欧保险监管制度与发展趋势,并从中获得对改进我国省域保险监管制度的启示。在此基础上,对我国省域保险监管制度现状进行分析,总结经验、剖析问题,然后探讨了省域保险监管制度的设计原则、监管目标和监管制度要素等,进而对省域保险监管的组织体系和运行机制、职能定位、监管内容与规则、监管方式与手段进行研究,提出改进省域保险监管制度的若干有针对性的意见和建议。全文共分十章,主要内容如下：
第一章为绪论。分析论文研究背景,阐明研究目的与意义,界定主要概念与范畴,提出论文框架与主要内容,归纳研究方法,总结主要创新点与不足。
第二章为保险监管文献综述。总结了西方经济学主要流派对于金融保险监管的观点,概述了西方保险监管理论与制度的新发展,介绍了我国保险监管理论研究情况,为研究省域保险监管打下了基础。
第三章为国外保险监管制度与发展趋势分析。以中央与地方、总体与区域协调为重点,分析总结美国和欧盟等国外保险监管制度特点和发展趋势,并得出必须健全区域保险监管制度,加强对区域保险的宏观审慎监管、市场行为监管,加大保护消费者权益力度的启示。
第四章对中国省域保险监管制度的现状进行分析。从监管机构的演变、监管理念的转变、监管职责的变化、监管规则的健全几方面概述了省域保险监管制度的发展,分析了省域保险监管制度的现状,总结了现行省域保险监管制度在防范化解风险、维护市场秩序、促进保险业发展方面的积极作用,同时也指出了在监管力量、监管行为、监管效率、监管规则和加强消费者权益保护方面存在的不足。
第五章对我国省域保险监管制度进行了整体设计。确定了制度设计的一致性、系统性、效率、成本效益等六个原则。研究提出了省域保险监管的目标。明确了省域保险监管制度的基本要素,即监管体制机制的健全是省域保险监管制度建设的基础,监管任务的明确是省域保险监管制度设计的前提,监管规则的完善和细化是省域保险监管制度建设的重点,监管方式方法的改进是省域保险监管制度落实的保证,行业文化建设和行业自律等是省域保险监管制度的重要补充。这些成为论文随后分章讨论的“主纲”。
第六章以监管主体研究为主,提出了省域保险监管机构设计及运行机制。文章从监管机构的层级设置、行政级别、内部处室设置的现实出发,指出现行体制存在的不足,提出了设立保监分局、统一省级保监局行政级别以及省级保监局内部处室设置的改进建议。
第七章研究省域保险监管的职能定位。文章论述了将防范化解风险、维护市场秩序、保护消费者合法权益和营造良好的发展环境作为主要监管任务的必要性,并提出了完成这些任务的基本思路和措施。
第八章根据省域保险市场存在的突出问题,对分支机构、高管人员、销售行为和理赔服务方面的监管制度进行了研究,分析了省域保险市场在这几方面存在的主要问题,指出现行监管制度存在的不足,并提出完善制度的建议。同时,以案例的形式,介绍了有关保监局比较有效的监管制度的创新举措。
第九章对省域保险监管的手段和方式进行研究,探讨了加强和改进省域保险监管的方法。针对省域保险监管力量不足,且手段相对单一的问题,提出要加强省域保险的宏观审慎监管,重视非现场监管、制度建设、窗口指导、教育引导、现代信息技术等方式方法的运用。
第十章以提高监管效能为目的,探讨了监管制度的整合与配套问题。重点从行业文化建设、行业自律、舆论监督、监管协调四个方面,提出了通过完善不同层面、不同环节的制度机制,形成监管合力的思路。
本文的创新主要有：
一是较全面系统地探讨了我国省域保险监管制度设计与机制建构等重要问题。以国内外保险监管理论研究成果和实践行为为基础,在国内外经济金融形势的大背景和国内保险监管大环境下,立足省域的中观视角,围绕建立完善我国省域保险监管制度的目标,构建了我国省域保险监管的框架体系,并就省域保险监管的体制机制、目标与任务、规则完善、方法与效率以及配套制度等内容进行了系统阐述。论文拓宽了我国保险监管研究的领域,丰富了我国省域保险监管的内容,一定程度上填补了省域保险监管研究相对缺失的空白。
二是通过反思与再探索,确立了保险监管以及省域保险监管的新定位和任务。在重新回顾与详细梳理了我国保险监管的理论尤其是监管实践后,结合《保险法》及有关监管要求,审视了中国保监会“三定”方案的有关职责规定,进而明确提出了将防范化解风险、维护市场秩序、保护消费者合法权益和营造良好的发展环境作为省域保险监管的四项主要任务。
三是针对省域保险监管的效率和省域保险市场风险两大问题展开了深入分析。对省域监管重微观轻宏观、重个案轻制度、重查处轻教育的现象,借鉴欧美等国加强宏观监管的启发,提出了通过加强省域中观监管、提高监管效率的一些措施与方法。通过总结归纳省域保险市场的主要风险,提出了防范化解风险的一系列措施,对省域保险监管具有积极的指导作用。
此外,通过国际保险监管趋势的启示以及对个别省域保险监管中成功案例的分析,为我国省域保险监管提供了一定的新视野和新思路。
In the future, China insurance industry will develop rapidly still, as a lot of problems will be exposed, leading that the regulation is challenged since it is vital to solve the problems to ensure the rapid and sound development of the industry. Compared with U.S.A and EU, which have strengthened macro-regulation on financial industry in case of systematic risk after the latest global financial crisis, China need to enhance the macro-regulation on insurance industry as well, and more importantly, China must strengthen the medium-level regulation and micro-regulation, that is to reinforce the provincial regulation while strengthening national level supervision, since China insurance industry is being in a primary developing period.
Provincial insurance regulation plays an important role on against provincial market risk, the maintenance of provincial market order and the protection of legitimate interests of provincial insurance consumers and so on; with the rapid of the industry, the provincial supervision will burden more liabilities. Nowadays, there are many problems with the provincial supervision, such as the lack of regulatory force, the inconsistencies of regulatory philosophy, the ambiguous task orientation, the imperfection of regulatory rules and the poor ways and means of supervision. At this stage, provincial insurance regulatory system has not been finalized, while the insurance regulatory research in China until now focus on macro-view and micro-view and neglects the medium-view, not to mention the foundation of the sound theoretical system of provincial insurance regulation which includes the study on the connection between macro-regulation and micro-regulation through the medium-level supervision. Consequently, the medium-view regulatory research is beneficial for the industry practice and the innovation of insurance theories as well.
Looking from the medium-view and making use of many research methods, this dissertation focused on the following three problems:firstly, who to regulate from the medium-level, that is to set up provincial regulatory institutions and allocate related resource soundly; secondly, what to regulate from the medium-level, that is to clarify the aim and liabilities of provincial regulatory institutions; finally, how to regulate from the medium-level, that is to study on the improvement of supervision means and ways and also the perfection of regulatory rules.
This dissertation takes the following thought:to collect and sort out the information on diversified global insurance regulatory system and theories, and also the theories of regional economies and regional regulation, especially the insurance regulatory system of USA and European countries, and to get the tips for China; then to analyze the situation of China provincial insurance regulation, and to conclude lessons and study related problems; further to study on the organizational system, operational mechanism, function orientation, regulatory scope and principles, regulatory ways and means of China provincial insurance regulation; finally to propose some suggestions for the perfection of provincial insurance supervision system. The main contents of the whole ten chapters of the dissertation are as follows:
The first chapter is the exordium, in which research background is introduced, research goal and meaning clarified, main concepts and scopes defined, framework and main contents of the dissertation proposed, research methods concluded, and the innovation and shortcomings given.
The second chapter is the literature review on insurance regulation, in which the main viewpoints of most western economic schools of thought are concluded, the latest development of western insurance regulatory theories and system briefed and China insurance regulatory research introduced.
The third one is the analysis on insurance regulatory system and the development trend of foreign countries, in which the coordination of centre government and provinces, wholly and regionally are focused, and with the summary of the characteristics and developing trend of foreign insurance regulatory system such U.S.A and EU, the conclusion is made that it is necessary to perfect the regional insurance supervision system, to enhance the macro prudential regulation of regional insurance industry and the supervision of market conduct, and to strengthen the protection of legitimate interests of insurance consumers.
The forth one is the study on the situation of China provincial insurance regulation, which benefits on against provincial market risk, the provincial market order and the sound development of the industry, but owns disadvantages on forces, conducts, efficiency, principles and the protection of consumer interests.
The fifth one is about the framework design of China provincial insurance supervision system, in which the six principles, such as consistency, systematic and efficiency, are proposed, then the goal of medium-level regulation determined, the elements of system clarified-as the outline of the following chapters.
The sixth one focuses on the regulatory bodies, and proposes the design on the organizational system and operational mechanism of medium-level regulatory institutions. Particularly, this chapter studies form the nowadays hierarchy, administrative level and the inside divisions set-up of regulatory bodies, points out the disadvantages, and suggests to set up the sub-provincial branch of China Insurance Regulatory Commission and to unify the administrative level of provincial branch and to adjust the inside divisions.
The seventh one researches on the function orientation of medium-level insurance regulation, which includes guarding against and defusing the market risk, maintaining the market order, protecting the interests of insurance consumers and creating a sound development surrounding. The primary thoughts and means to fulfill the function are discussed in this chapter.
The eighth one focuses on the scope and elements of current China provincial insurance regulatory system, especially on the problems of regulation on branches, executives officers, sales conduct and settlement of claims of insurance companies which engage in business mainly provincially, as well as proposes some suggestions on the perfection of current regulatory system. Besides, this chapter introduces current efficient regulation systems and innovation of China provincial branches of China Insurance Regulatory commission with cases.
The ninth one emphasizes on the enhancement of provincial insurance regulation ways and means:off-site supervision, institutional construction, window guidance, education and training, modern information technology and application.
The tenth one, the final chapter, discusses the integration and resource allocation of regulatory system with the goal of improving the efficiency of regulation. Specially, with focus on the four aspects of industrial culture construction, industrial self-discipline, pubic opinions supervision and regulation coordination, it is proposed to found a strong mixture forces of regulation by innovating the system and mechanism of different levels.
The main innovation of the dissertation are as follows:
Firstly, provincial insurance regulation system and related mechanism are comprehensively designed. Obviously, this dissertation broadens China insurance regulation research field, enriches provincial insurance regulatory elements, fills the missing blank of provincial insurance regulation research to some extent.
Secondly, the position and task of provincial insurance regulation are oriented by reflection and exploration. The main four tasks are to guard against provincial market risk, to maintain the provincial insurance market order, to protect the legitimate interests of provincial insurance consumers and found a sound environment for the development of the industry.
Finally, the provincial regulation efficiency and the market risk of provincial insurance industry are thoroughly analyzed. Focusing on the phenomenon in China medium-level regulation that micro-view, cases and punishment are attached importance to while macro-view, system and education are ignored, the dissertation suggests some measures to enhance the regulatory efficiency, the tips of which are given by the action of the enhancement of macro prudential regulation in European and American countries. Besides, the trend international insurance regulation and some successful cases study of provincial supervision provide relatively new scope and thoughts for China provincial insurance regulation.
我国保险业务主要发生在省域,保险市场竞争主要集中在省域,相应的保险监管力量也主要投放在省域。省域保险监管在防范省域市场风险、维护市场秩序、保护保险消费者的合法权益等方面都具有重要作用。随着保险业的快速发展,省域保险监管承担的责任将越来越重,但省域保险监管目前存在监管力量不足、监管理念不尽一致、监管任务不够明确、监管规则需要进一步完善、监管的方式方法需要改进等问题。保险业改革发展的基本经验,就是必须把握市场发展和监管规律,用反映市场特征和监管要求的理论指导实践,并在实践中不断地充实完善和创新理论,用新的理论成果指导和促进实践发展。解决好省域保险市场发展的阶段性矛盾和问题,需要一个完整的监管理论体系来支撑。现阶段,省域保险监管制度还没有定型,还在不断改进和完善中,国内已有的保险监管研究侧重于宏观和微观层面,对省域这个中观层面的保险监管研究相对滞后,更没有形成系统的省域保险监管理论体系。因此,研究省域保险监管,完善与探索创新能有效衔接宏微观的省域保险监管理论,不仅具有迫切的、现实的指导意义,而且是对保险监管理论创新的推动和丰富。
本文借鉴国际经验,结合中国保险业发展和监管的实际,立足中观层次视角,紧紧围绕省域保险监管这一主题,运用科学系统、规范研究、观察总结等方法,主要探讨了三个方面问题：一是研究如何合理设置省域保险监管机构和配备相应力量,提高监管体制的科学性,解决“谁来监管”问题；二是明确监管目标、职责,提高监管规范性,解决“监管什么”问题；三是研究如何改进监管的方式方法、完善监管规章,提高监管有效性,解决“如何监管”问题。通过对以上三方面问题较为深入系统的研究,加深我们对省域监管基础性问题的认识,有利于提高监管的科学性、规范性和有效性,有利于防范省域保险市场风险、维护省域保险市场秩序、更好地保护保险消费者的合法权益,促进保险业持续平稳健康发展,同时也为有关部门深化保险监管制度改革提供支持。
在研究过程中,论文遵循以下研究思路与路径：收集并梳理保险监管制度与理论、区域经济与区域监管理论有关研究成果,重点研究美欧保险监管制度与发展趋势,并从中获得对改进我国省域保险监管制度的启示。在此基础上,对我国省域保险监管制度现状进行分析,总结经验、剖析问题,然后探讨了省域保险监管制度的设计原则、监管目标和监管制度要素等,进而对省域保险监管的组织体系和运行机制、职能定位、监管内容与规则、监管方式与手段进行研究,提出改进省域保险监管制度的若干有针对性的意见和建议。全文共分十章,主要内容如下：
第一章为绪论。分析论文研究背景,阐明研究目的与意义,界定主要概念与范畴,提出论文框架与主要内容,归纳研究方法,总结主要创新点与不足。
第二章为保险监管文献综述。总结了西方经济学主要流派对于金融保险监管的观点,概述了西方保险监管理论与制度的新发展,介绍了我国保险监管理论研究情况,为研究省域保险监管打下了基础。
第三章为国外保险监管制度与发展趋势分析。以中央与地方、总体与区域协调为重点,分析总结美国和欧盟等国外保险监管制度特点和发展趋势,并得出必须健全区域保险监管制度,加强对区域保险的宏观审慎监管、市场行为监管,加大保护消费者权益力度的启示。
第四章对中国省域保险监管制度的现状进行分析。从监管机构的演变、监管理念的转变、监管职责的变化、监管规则的健全几方面概述了省域保险监管制度的发展,分析了省域保险监管制度的现状,总结了现行省域保险监管制度在防范化解风险、维护市场秩序、促进保险业发展方面的积极作用,同时也指出了在监管力量、监管行为、监管效率、监管规则和加强消费者权益保护方面存在的不足。
第五章对我国省域保险监管制度进行了整体设计。确定了制度设计的一致性、系统性、效率、成本效益等六个原则。研究提出了省域保险监管的目标。明确了省域保险监管制度的基本要素,即监管体制机制的健全是省域保险监管制度建设的基础,监管任务的明确是省域保险监管制度设计的前提,监管规则的完善和细化是省域保险监管制度建设的重点,监管方式方法的改进是省域保险监管制度落实的保证,行业文化建设和行业自律等是省域保险监管制度的重要补充。这些成为论文随后分章讨论的“主纲”。
第六章以监管主体研究为主,提出了省域保险监管机构设计及运行机制。文章从监管机构的层级设置、行政级别、内部处室设置的现实出发,指出现行体制存在的不足,提出了设立保监分局、统一省级保监局行政级别以及省级保监局内部处室设置的改进建议。
第七章研究省域保险监管的职能定位。文章论述了将防范化解风险、维护市场秩序、保护消费者合法权益和营造良好的发展环境作为主要监管任务的必要性,并提出了完成这些任务的基本思路和措施。
第八章根据省域保险市场存在的突出问题,对分支机构、高管人员、销售行为和理赔服务方面的监管制度进行了研究,分析了省域保险市场在这几方面存在的主要问题,指出现行监管制度存在的不足,并提出完善制度的建议。同时,以案例的形式,介绍了有关保监局比较有效的监管制度的创新举措。
第九章对省域保险监管的手段和方式进行研究,探讨了加强和改进省域保险监管的方法。针对省域保险监管力量不足,且手段相对单一的问题,提出要加强省域保险的宏观审慎监管,重视非现场监管、制度建设、窗口指导、教育引导、现代信息技术等方式方法的运用。
第十章以提高监管效能为目的,探讨了监管制度的整合与配套问题。重点从行业文化建设、行业自律、舆论监督、监管协调四个方面,提出了通过完善不同层面、不同环节的制度机制,形成监管合力的思路。
本文的创新主要有：
一是较全面系统地探讨了我国省域保险监管制度设计与机制建构等重要问题。以国内外保险监管理论研究成果和实践行为为基础,在国内外经济金融形势的大背景和国内保险监管大环境下,立足省域的中观视角,围绕建立完善我国省域保险监管制度的目标,构建了我国省域保险监管的框架体系,并就省域保险监管的体制机制、目标与任务、规则完善、方法与效率以及配套制度等内容进行了系统阐述。论文拓宽了我国保险监管研究的领域,丰富了我国省域保险监管的内容,一定程度上填补了省域保险监管研究相对缺失的空白。
二是通过反思与再探索,确立了保险监管以及省域保险监管的新定位和任务。在重新回顾与详细梳理了我国保险监管的理论尤其是监管实践后,结合《保险法》及有关监管要求,审视了中国保监会“三定”方案的有关职责规定,进而明确提出了将防范化解风险、维护市场秩序、保护消费者合法权益和营造良好的发展环境作为省域保险监管的四项主要任务。
三是针对省域保险监管的效率和省域保险市场风险两大问题展开了深入分析。对省域监管重微观轻宏观、重个案轻制度、重查处轻教育的现象,借鉴欧美等国加强宏观监管的启发,提出了通过加强省域中观监管、提高监管效率的一些措施与方法。通过总结归纳省域保险市场的主要风险,提出了防范化解风险的一系列措施,对省域保险监管具有积极的指导作用。
此外,通过国际保险监管趋势的启示以及对个别省域保险监管中成功案例的分析,为我国省域保险监管提供了一定的新视野和新思路。
In the future, China insurance industry will develop rapidly still, as a lot of problems will be exposed, leading that the regulation is challenged since it is vital to solve the problems to ensure the rapid and sound development of the industry. Compared with U.S.A and EU, which have strengthened macro-regulation on financial industry in case of systematic risk after the latest global financial crisis, China need to enhance the macro-regulation on insurance industry as well, and more importantly, China must strengthen the medium-level regulation and micro-regulation, that is to reinforce the provincial regulation while strengthening national level supervision, since China insurance industry is being in a primary developing period.
Provincial insurance regulation plays an important role on against provincial market risk, the maintenance of provincial market order and the protection of legitimate interests of provincial insurance consumers and so on; with the rapid of the industry, the provincial supervision will burden more liabilities. Nowadays, there are many problems with the provincial supervision, such as the lack of regulatory force, the inconsistencies of regulatory philosophy, the ambiguous task orientation, the imperfection of regulatory rules and the poor ways and means of supervision. At this stage, provincial insurance regulatory system has not been finalized, while the insurance regulatory research in China until now focus on macro-view and micro-view and neglects the medium-view, not to mention the foundation of the sound theoretical system of provincial insurance regulation which includes the study on the connection between macro-regulation and micro-regulation through the medium-level supervision. Consequently, the medium-view regulatory research is beneficial for the industry practice and the innovation of insurance theories as well.
Looking from the medium-view and making use of many research methods, this dissertation focused on the following three problems:firstly, who to regulate from the medium-level, that is to set up provincial regulatory institutions and allocate related resource soundly; secondly, what to regulate from the medium-level, that is to clarify the aim and liabilities of provincial regulatory institutions; finally, how to regulate from the medium-level, that is to study on the improvement of supervision means and ways and also the perfection of regulatory rules.
This dissertation takes the following thought:to collect and sort out the information on diversified global insurance regulatory system and theories, and also the theories of regional economies and regional regulation, especially the insurance regulatory system of USA and European countries, and to get the tips for China; then to analyze the situation of China provincial insurance regulation, and to conclude lessons and study related problems; further to study on the organizational system, operational mechanism, function orientation, regulatory scope and principles, regulatory ways and means of China provincial insurance regulation; finally to propose some suggestions for the perfection of provincial insurance supervision system. The main contents of the whole ten chapters of the dissertation are as follows:
The first chapter is the exordium, in which research background is introduced, research goal and meaning clarified, main concepts and scopes defined, framework and main contents of the dissertation proposed, research methods concluded, and the innovation and shortcomings given.
The second chapter is the literature review on insurance regulation, in which the main viewpoints of most western economic schools of thought are concluded, the latest development of western insurance regulatory theories and system briefed and China insurance regulatory research introduced.
The third one is the analysis on insurance regulatory system and the development trend of foreign countries, in which the coordination of centre government and provinces, wholly and regionally are focused, and with the summary of the characteristics and developing trend of foreign insurance regulatory system such U.S.A and EU, the conclusion is made that it is necessary to perfect the regional insurance supervision system, to enhance the macro prudential regulation of regional insurance industry and the supervision of market conduct, and to strengthen the protection of legitimate interests of insurance consumers.
The forth one is the study on the situation of China provincial insurance regulation, which benefits on against provincial market risk, the provincial market order and the sound development of the industry, but owns disadvantages on forces, conducts, efficiency, principles and the protection of consumer interests.
The fifth one is about the framework design of China provincial insurance supervision system, in which the six principles, such as consistency, systematic and efficiency, are proposed, then the goal of medium-level regulation determined, the elements of system clarified-as the outline of the following chapters.
The sixth one focuses on the regulatory bodies, and proposes the design on the organizational system and operational mechanism of medium-level regulatory institutions. Particularly, this chapter studies form the nowadays hierarchy, administrative level and the inside divisions set-up of regulatory bodies, points out the disadvantages, and suggests to set up the sub-provincial branch of China Insurance Regulatory Commission and to unify the administrative level of provincial branch and to adjust the inside divisions.
The seventh one researches on the function orientation of medium-level insurance regulation, which includes guarding against and defusing the market risk, maintaining the market order, protecting the interests of insurance consumers and creating a sound development surrounding. The primary thoughts and means to fulfill the function are discussed in this chapter.
The eighth one focuses on the scope and elements of current China provincial insurance regulatory system, especially on the problems of regulation on branches, executives officers, sales conduct and settlement of claims of insurance companies which engage in business mainly provincially, as well as proposes some suggestions on the perfection of current regulatory system. Besides, this chapter introduces current efficient regulation systems and innovation of China provincial branches of China Insurance Regulatory commission with cases.
The ninth one emphasizes on the enhancement of provincial insurance regulation ways and means:off-site supervision, institutional construction, window guidance, education and training, modern information technology and application.
The tenth one, the final chapter, discusses the integration and resource allocation of regulatory system with the goal of improving the efficiency of regulation. Specially, with focus on the four aspects of industrial culture construction, industrial self-discipline, pubic opinions supervision and regulation coordination, it is proposed to found a strong mixture forces of regulation by innovating the system and mechanism of different levels.
The main innovation of the dissertation are as follows:
Firstly, provincial insurance regulation system and related mechanism are comprehensively designed. Obviously, this dissertation broadens China insurance regulation research field, enriches provincial insurance regulatory elements, fills the missing blank of provincial insurance regulation research to some extent.
Secondly, the position and task of provincial insurance regulation are oriented by reflection and exploration. The main four tasks are to guard against provincial market risk, to maintain the provincial insurance market order, to protect the legitimate interests of provincial insurance consumers and found a sound environment for the development of the industry.
Finally, the provincial regulation efficiency and the market risk of provincial insurance industry are thoroughly analyzed. Focusing on the phenomenon in China medium-level regulation that micro-view, cases and punishment are attached importance to while macro-view, system and education are ignored, the dissertation suggests some measures to enhance the regulatory efficiency, the tips of which are given by the action of the enhancement of macro prudential regulation in European and American countries. Besides, the trend international insurance regulation and some successful cases study of provincial supervision provide relatively new scope and thoughts for China provincial insurance regulation.
引文
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