China's Insurance Industry, The Risk Of Regulatory Problems And Countermeasures Research

Risk protection provided by insurance companies in the whole national economy plays an important role in the failure of society as a whole are not severely affected. The financial crisis AIG has been hit hard by the U.S. government had funded its ease of substantial harm to the society. Although the U.S. government out of the crisis with remedies to AIG, but with great cost for the price. Sigma in the "insurance regulation" also pointed out an article or lax supervision and weak regulation is caused by the subprime mortgage crisis, the root causes, and national policy makers or regulators are sub-prime crisis on financial institutions to improve the Governor investigation. At the same time with the advanced risk-based supervision of the insurance industry than the risk of China's insurance industry regulatory system is lagging behind, so the risk of regulation of the insurance industry research for the improvement of China's insurance industry, risk control measures and to provide some useful suggestions, and through the relevant system and law enforcement to establish and improve China's insurance regulatory regime, will help China's insurance industry, risk prevention, promote the health insurance industry, sustainable development, while economic globalization and international development in enhancing the competitiveness of China's insurance industry to guard against financial the crisis.In this paper, except the introduction and overview of insurance risk regulation, is divided into four parts. First, the insurance industry, the concept of risk and risk control, risk control insurance risk theory and insurance regulatory system, the basic composition of elaborated, as the theoretical basis for this study; followed by China's insurance industry for risk analysis and risk monitoring status reveals China's current regulatory risk insurance industry problems and deficiencies; and international insurance regulatory system through the main features and trends and analysis of the U.S. insurance regulatory system, combined with the reality of our summary of some experience; finally summed up the current situation in our country Some perfect revelation of China's insurance regulators, to improve China's insurance industry, risk regulation put forward some suggestions and comments.