Study On The Problems Of Insurance Regulation In Our Country

Recently China’s insurance regulation system has been initially established, which includes three parts integrated:The people’s Bank of China, the Insurance Regulatory Commission, the SCRC and the CBRC. But there are still plenty of defects, such as the orientation is not clear, the regulation is not well covered and the effect of execution stayed a poor performance. Holding the key principles of "people-oriented, serve the public, effective and prudent", we establish a effective regulatory system, using the literature analysis and the induction method, and therefore playing a basic role of the hole paper. And we put forward a series measures based on what to improve the issues.In this paper, using the comparative analysis and empirical analysis etc, we found that the fundamental hinder of the supervision system is the lack of effective regulatory system and inner relations. The solution to this problem needs a long-term effort. All need to do now is to stand on the basic point, to improve insurance regulatory system, the connections of the regulatory bureaus, and the the overall regulatory capacity. In conclusion, it is not only have to build a sound regulatory system, but also to improve the connections between supervisors, making each of the part plays its own role. And this is the key to solve the regulatory problems. We also put forward some innovative suggestions, such as make cooperation with relative bureaus, establish the branch of insurance regulatory bureau and absorb more human source from the society and so on.