The Investigation And Study On Illegal Problems Of Chongqing Life Insurance Market

In recent years, the Chinese insurance business obtained considerable development. The insurance business ' continually, healthy and fast development need a good and standard market environment. But the illegal problems in Chongqing life insurance market have had the extremely disadvantageous influence to the future development of Chongqing life insurance market.What are the illegal problems in Chongqing life insurance market during recent years? What type inner links these problems have and what the rule is? Who trigger these illegal problems in Chongqing life insurance and what the disadvantages are? What action could be taken? Through investigation and analysis to the surveillance action of China Insurance Regulatory Commission(CIRC) Chongqing bureau since 2008 in Chongqing life insurance market, this article has drawn some corresponding conclusions. The full text altogether divides into 6 major parts, altogether about 20,000 words.In the first part of the article, we can see the goals and investigation ways of the study. The goal is through the analysis to the illegal problems which exists in Chongqing life insurance market since 2008, propose corresponding measure for the reference, which can be helpful for standard of the Chongqing life insurance market. And the investigation ways of the study, which mainly through the collection and analysis to the surveillance action taken by CIRC Chongqing bureau in Chongqing life insurance market since 2008. The investigation and study also through the exchange with the personnel of the insurance company in the surveillance action.The second part of the article is the investigation and study actualities. This part includes surveillance action taken by CIRC Chongqing bureau in the Chongqing property insurance market since 2008, and 6 major types of illegal problems, and the corresponding legal rule.The third part is about analysis of those illegal problems. The analysis believed that, the illegal behaviors of life insurance institutes in Chongqing insurance market is to meet the need of grabbing all kinds of interests. The illegal problems produces the harm includes: Affects the insurance of China consistent development; Accident insurance consumer benefit; Destroys the market order, affects the profession image; Multiplying the corruption, ruins the social convention. The majorities for the production of the illegal problems are : The insurance companies lack the scientific standards and effective government; The poor qualities of senior administrators, laws and regulations consciousness is relevantly light, and so on.The fourth part of the article is some suggestions. To solve these illegal problems, the writer proposed three measurements: Firstly, the insurance companies should have better government structure, and strengthen rationality management; Secondly, enlarge profession supervising and managing dynamics; Third, consummation related legal rule, and strict law enforcement.The Fifth part of the article is to give some remarks on current laws on insurance and is to promote some necessary con-current regularizations across some administration bureaus.In the sixth part of the article, the writer lists the written material and the personnel which the investigation and study is based on.