Data Sharing And Disclosure Research Based On The Information Integration Through Insurance Regulation

Insurance is highly tied with the rights and interests of social public andacts as an important governor of society management due to its properties ofrisk-operation. As the entity， insurance company is facing the informationasymmetry bidrectionally. For example， insurer is not able to fully know aboutthe insured， which leads to the high risky to policy holder and adverseselection， the other case is， because of the existing problem of insurance com-pany governance and low clarity of corporation operation， the insured isalways trapped in lack of information in underwriting and claim service.Mitigating the information asymmetry between insurer and insured，maintaining the insurance market order and protect the benefit of the insured isthe right research topic among CIRC.According to the past regulation cases and the information integrationconstruction， regulators are striving to adjust the system of non-live regulationthrough the centralized information integration. By means of the combination ofregulator data and the data sharing scaffolding of multi-industry， the mitigationof information asymmetry realized. Led by the CIRC， an efficient and timely-updated insurance data sharing mechanism is formed through the linked withinsurance-insurance， insurance-CIRC， CIRC-other agencies. Using the datasharing， the insurers risk-identify and product pricing ability is enhanced andits service as well. Moreover， through the analysis and research of the database， CIRC is able to disclose more insurance related data， which is morecanonical because of its official resource. With this， insurance company’s mana-gement level can also be facilitated.Through analyzing our country’s current insurance regulation and insuranceregulation information integration construction， this thesis draw the significan -ce of insurance information integration construction to information asymmetrymitigation and deeply research the existing problem of insurance regulationinformation integration. The research methods will follow the overseasregulation information integration， case study and identify that the data sharingmechanism and enhancing information disclosure is the final destination ofinsurance regulation information integration. To the construction of theinformatization of our country insurance regulatory development strategy， toimprove the efficiency of insurance regulation， has very important practicalsignificance.