Insurance Regulatory Approach Legal Issues

It has been just a short time since China introduced modern system of insurance regulation. Giving the establishing of market economy system in China, the trend of insurance deregulation internationally, and competition pressures on domestic insurers from foreign insurers upon China's entry into WTO, in which direction China's insurance regulatory system will deve I op i s a ma i n research top i c. The author th i nks the construction of insurance regulatory pattern in one country can't be separated from its particular state of the nation. It is better to define the government regulation's goal aim and job emphasis through the market's developed degree,economical development and surrounding world circumstances, than to find universal regulatory system, and the aim should be adjusted with the change of situation. So the thesis brings forward deregulation and regulation on different aspects.The thesis includes three parts, that is the basis theory of the insurance regulatory patterns, the contrast and research of the world insurance regulatory patterns and the legal thought of the construction of China's insurance regulatory pattern.Chapter 1 first gives a definition of insurance, insurance regulation and insurance regulatory pattern, then demonstrates the insurance regulation law belongs to the economic law in essence.Chapter 2 introduces the concrete contents and development of the insurance regulatory pattern in different nations, and discusses the internalization tendency of insurance regulatory patterns.Chapter 3 analyzes the performance effect of China's insurance regulatory pattern, and concludes with the entry into WTO, we should adopt deregulation direct to the market from the str i ct I y regu I at i on of the past step by step; the key of regulation is solvency's regulation to insurers, at the same t i me some market conduct regu I at i on can't be deregu I ated, such as serious disturbance to insurance market and violation to the consumers' interests; strengthen the legal status of China's insurance regulator.