Rearch On Perfecting The Commercial Insurance Supervision System Of Our Country From The Angle Of The Company

Since the beginning of the 21 st century,China's economy has grown by leaps and bounds,and its comprehensive national strength has been continuously strengthened,with more and more voices.At present,China's insurance industry premiums rank among the top in the world,with a higher degree of openness to the outside world,and the world's insurance industry is increasingly connected.The number of insurance market entities continues to increase,and the market premiums are getting larger and larger.Faced with increasingly complex economic conditions,the market is increasingly demanding to establish a sound insurance regulatory system and an effective insurance regulatory legal system.In recent years,China's insurance regulatory agencies have continuously reformed themselves,introduced a series of policies,and achieved good results.However,it needs to be acknowledged that China's insurance supervision business started late,and although there have been considerable progress,there are still problems.This paper first introduces the development status of China's commercial insurance supervision legal system and regulatory agencies,and summarizes the academic research on insurance supervision at home and abroad.Secondly,it introduces the basic knowledge of insurance supervision and the necessity of commercial insurance supervision.The supervision history and supervision status of the insurance industry were introduced in detail.The problems of China's insurance supervision were discussed from the perspectives of system,system and third parties.Then,management experience was obtained from the commercial insurance supervision system of the four countries of Britain,the United States,Germany and Japan.Put forward the improvement measures of China's insurance supervision system,and finally combine the regulatory insurance policies introduced by China in recent years,and the situation in the actual operation process of X Insurance Company Beijing Branch,from the fluctuation of business lines such as scale premiums,product structure The increase in the proportion of health insurance and the medium-and long-term propensity of product life and the number of complaints from insurance companies are analyzed with the increasing phenomenon andcauses of the intimate introduction of regulatory policies,and the problems in the insurance supervision process are proposed,and specific solutions are proposed in the last chapter.