Study Of China's Insurance Regulatory Regime

At the moment there exist many negative problems in China's insurance market, such as credit deficiency, unstandard competition and the insured's interests not being protected. The existence of these problems make isolated insurance organizations and individuals sustain great losses, even harm the whole benefits of the insurance industry so as to trigger economic fluctuation and social unstability. The standard development of insurance management activities and the stable development of insurance industry depend on not only the insurance companies' self-management according to market law and insurance management regulations but also the government departments' management and control which are named as insurance supervision. Proceeding from the analysis of insurance management's particularity, this paper thoroughly analyzes the present situations of the insurance supervision system construction and the insurance supervision's effect on insurance management, and puts forward some countermeasures for constructing China's insurance supervision system as well as the break-new-ground point of the insurance supervision system.In accordance with the particularity of insurance management and through the study and analysis of the present situations of the insurance supervision system construction and the insurance supervision's effect on insurance management, this paper provides important theoretical basis for constructing systematical insurance supervision system and countermeasures and new ideas in the light of supervision for the normalization and maturity of insurance market order as well as the sustaining development of insurance industry.This paper proposes three pillar patterns about insurance supervision, complements with auxiliary supervision system and forms the basic ideas about the frame system of insurance supervision. It also advances specific countermeasures in view of the realistic questions about China's insurance supervision and probes into the break-new-ground point of the insurance supervision system.The study in this paper has a momentous significance in enriching insurance supervision theory, constructing insurance supervision system and promoting the development of insurance supervision practice. Meanwhile, it has a current significance in solving the realistic questions existing in insurance market and putting forward the healthy and sustaining development of the insurance industry.The paper develops mainly in the way of integrating the positive analysis with the standard analysis. On the basis of the positive analysis aimed at the present situations of China's insurance supervision, it analyzes insurance supervision system's influence on insurance management and raises the basic ideas and specific countermeasures about the construction of insurance supervision system. The paper also adopts the combination of quantitative analysis and qualitative analysis. When analyzing the influence of insurance supervision on insurance management, it makes...