The Orientation Of The Mode And The Perfection Of Law System On China Insurance Supervision

The insurance is social" stability steel ",it relates to the nation stability tokeep on developing and people life stabilize. The development of chinainsurance market will soon completely open, the insurance industry also andat a high speed let the world focus attention, under this kind of background,the originally mode and law system already and obviously could not havebeen well request of the development of the insurance industry, our the modeof insurance supervision still has stayed around strictly mode, orientation ofthe new mode fixing position has not deficient; And insurance lawmakingalthough has the scale, the whole is not still perfect, layer after layer,self-contradict and defective items are a lots, putting too into practice is inneed of maneuverability, still have no a formation of systematized insurancesupervision legal system , and it is a long distance to the request of the validinsurance supervising insurance industry. This thesis that aim at the ourcountry present condition of insurance development and world insurancesupervision development trend, right the orientation that our countryinsurance industry should take adopted to proceeds the fixed positioned, andcombine on the foundation of that fixed position, and deep analysis legalsystem present condition and that problems of our country insurancesupervision, with synthesizing the all countries theories and practiceexperience, and bring up the method and concrete suggestion to perfectinsurance supervision law system . This thesis totally is divided into two parts, part one is that our countryorientation of the insurance supervision mode. First, discussed the definitionand the significance of the insurance supervision. The insurance supervisionis the financial supervised or executed organization put supervision andmanagement into practice according to the insurance laws to insure theinsurance companies and organizations to safety and pay off, and to maintainthe consumers' benefits. The adjustment object that insurance supervisionlaws is the relations for at direct with managing and supervising the insurancebusiness enterprise, among insurance business enterprises and the relationswhen insurance business enterprise interiorly managing the inside. Theinsurance supervision can guide to create" the best performance scale"; It is 4the demand to realize insurance industry of the economic and in expiation ofworking talent; It is an objective request that guarantee the right managementdirection of insurance industry; Secondly, by the introduction of all countriesinsurance supervision modes, systematized expounds insurance supervisionmodes theories. All countries insurance supervision methods mostly aredivided into the public doctrine, the standard doctrine and the entity doctrinethree types. The public doctrine is the insurance supervision method requeststo public accomplishment or other items of insurance company, and isanalyzied and judged by policyholder, shareholder, and the general public.The standard doctrine form provisions with the laws in advance that shouldoperate with joining the insurance industry and afterward among managingthe insurance company. The entity doctrine is to supervise the concreteoperation of insurance company, and the insurance company start to runbusinesses and be engaged in running usually business activity was grantedby direct organization or approve, and this method is also called thepermission doctrine. Then, with world insurance supervision developingtrend, our country the development of insurance industry and the insurancesupervision condition, the commitment when our country joined into WTOthree aspects, deeply analyzes into the background and the target of ourcountry current insurance supervision: namely, perfect market mechanism,grow the insurance market to the positive competition, the supervision targetchange from gradually stability as the mai...