Research On The Government Supervision Of The Insurance Industry In Shanxi

The vigorous development of China's insurance market plays an irreplaceable role in social security,social management,asset management,capital operation and finance.This is inseparable from the China Insurance Regulatory Commission as the government regulatory agency of the Chinese commercial insurance market,which always insists on the implementation of legal supervision,scientific supervision,effective supervision,and service supervision.China's insurance supervision is under the supervision of subsidence,strong supervision,and strict supervision.It is under joint supervision,county and county system,and there is no cure in the country.The government's supervision of the commercial insurance market is an important means to ensure the healthy and orderly development of China's commercial insurance industry and protect the legitimate rights and interests of insurance consumers.In order to better adapt to the current economic and financial situation in Shanxi Province and promote the stable and orderly development of the insurance industry,this paper analyzes the operation of the insurance market in Shanxi Province and the supervision of the government's regulatory dynamics,regulatory mechanisms,regulatory methods,and regulatory highlights.It has obtained various regulatory channels such as territorial supervision,supervision and spot checks,and investigations of unannounced visits.It has carried out insurance supervision work from the serious authority of maintaining supervision and law enforcement,summed up the development status of the insurance industry and the characteristics of market operation,and learned from the effective supervision of the insurance market in Shanxi Province.Sex and effectiveness.The second is to dig deeper into the problems and regulatory deficiencies of the government supervision of Shanxi insurance industry,including the aspects of the regulatory system,the regulatory process,industry associations,and market operations,and fully identify the various reasons behind the problem,including:Insufficient legislation,unscientific regulatory policies,weak regulatory infrastructure,backward regulatory systems,lack of regulatory cadres,weak regulatory culture,immature industry self-regulatory systems,and extensive development of insurance operations.The third is to summarize the advanced insurance supervision concepts of developed countries and explore the experience worthy of learning and reference for China's insurance supervision.Fourthly,based on Shanxi insurance supervision and China's basic national conditions,combined with the excellent experience of developed countries in insurance supervision,the paper puts forward positive suggestions for strengthening China's insurance supervision reform and construction:raising ideological awareness and establishing the concept of supervision for the people;Laws and regulations,improve supervision policies;establish a standard supervision system,unblock government supervision channels;strengthen supervision and self-construction,improve government supervision;reshape supervision culture,be qualified supervisors;enrich supervision methods,strengthen supervision;To play the role of the Association;to improve the level of industry operations and promote the development of the industry.