The Research On Government Function In The Development Of Chinese Insurance Industry

Chinese insurance industry has had a high-speed development in recent years. The growth speed of national premium income is about 30%, much higher than the national GDP growth rate. But there are many problems, honesty serious confusion in the market, self-regulation in place, the terms difficult to understand, obstacles and more unfair, the lack of qualified personnel, management confusion, insurance rates are relatively high, less insurance, publicity is not enough consumer misunderstanding ,etc. That would constraints Chinese insurance industry to further develop. Therefore, the insurance industry to the rapid development of a comprehensive government policy to provide appropriate support is very necessary in light of China's transition and socio-economic development of the insurance industry, science and foreign policy in support of the insurance industry experience, should further improve and perfect our country's Insurance policy support system, and efforts to promote the implementation of the globalization strategy of the insurance industry, bigger and stronger, for the development of the insurance industry to provide strong institutional support, this is a very urgent issue.In this paper, the development of Chinese insurance industry, the problems and development of the insurance industry developed the process of drawing on the experience of government functions, a systematic study of government functions in the development of the insurance industry in the role, and China's development of the insurance industry in the process of the functions of the government to give instructive policy recommendations. This article is divided into five chapters, institutional arrangements are as follows: Chapter I, Introduction; the second chapter, the insurance industry in the development of theoretical analysis of government functions; Chapter III, China's development of the insurance industry in the problems of government functions; Chapter IV, the developed countries the insurance industry learn from the experience of government functions; Chapter V, and improve the functions of the government of China's insurance industry some of its recommendations.In theoretical research and empirical analysis on the basis of the development of the insurance industry in our country are given the course of the functions of the government policy of inspiration:First, universal insurance knowledge, enhance the people's awareness of risk and insurance;Second, improve the protection of the rights and interests of the insurance practitioner's policies to encourage more people to join in the insurance industry; Third, based on national conditions, combined with tax reform and perfect the insurance industry to promote the development of tax policy;Fourth, rationalize the regulatory system; improve the regulatory efficiency, the realization of the insurance industry regulatory innovation;Fifth, the establishment of major natural disasters, specifically for the financial support of the insurance system;Sixth, revise and improve the "Insurance Act."...