Research On Legal Issues Of Mutual Insurance Supervision In China

In 2015,China Insurance Regulatory Commission promulgated "Mutual Insurance Organization Supervision trial measures",our country also began the tide of mutual insurance.This method fills in the blank of China's insurance legislation on mutual insurance,and provides policy support for the operation of China's mutual insurance institutions.However,from the current mutual insurance organization pilot situation and foreign legal system,there are still many legal problems.The main theme of this paper is to try to solve these problems and from its regulatory system to find a consistent path to the stable development of mutual insurance in China.Firstly,this paper discusses the connotation and characteristics of mutual insurance organization,combs the development course of mutual insurance organization,and puts forward some effective suggestions to optimize the relevant legal system of mutual insurance organization in China,including perfecting the supervision system.Make clear relevant laws and regulations,establish trade associations,perfect the supervision of the articles of association,standardize the way of organization changes,standardize the information disclosure system,etc.At present,the important problems facing the development of mutual insurance in China are not only the low level of supervision legislation,the imperfectregulation of supervision contents,the loose conditions of industry access,the lack of organizational change,the lack of risk dispersion mechanism,and the lack of internal supervision mechanism in the industry.Lack of industry retreat Out of the program,etc.First,in the aspect of legal level,we should speed up the introduction of laws and regulations,in the next step in the revision of insurance law clearly put forward to join the chapter of mutual insurance,modify some of the original concepts in the company law.To make mutual insurance and insurance law form a complete legal system;Second,from the articles of association of mutual insurance organizations,membership rights,relevant personnel of the industry access conditions,to improve these provisions in order to achieve perfect mutual insurance access supervision legal system;Third,we should set up trade associations,standardize the information disclosure system,perfect the reinsurance system,standardize the standard of rate formulation,and propose to revise and build from these directions.The discussion makes mutual insurance organizations get effective legal supervision in the course of operation.Finally,it puts forward some suggestions on the withdrawal of mutual insurance organizations,so as to avoid the whole insurance market facing systematic risk due to the failure of individual mutual insurance organizations.