对问题保险公司实施监管干预的国际比较分析——以英国Vehicle和General和中国某财产保险公司为案例  

An International Comparative Analysis of Implementation of Regulatory Intervention on the Problemsome Insurance Company: A Case Study of UK's V&G Insurance Company and One of China's Property Insurance Company

作　　者：马海峰[1] 谢志刚[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《江西财经大学学报》2011年第3期56-61,共6页Journal of Jiangxi University of Finance and Economics

摘　　要：监管机构如何对问题保险公司实施监管干预是一个紧迫的现实问题。在中英两国案例研究的基础上发现:监管干预行动都存在迟滞现象。监管机构给予问题保险公司较高的监管容忍度。原则导向与规则导向方式在监管实务中都是不可或缺的。监督力量在干预行动中发挥着重要作用。应该增加保险保障基金公司的监管权,建立监管干预决策的问责机制,建立及时的市场信息披露制度,激励多种监督力量参与干预行动,建立规则导向与原则导向相互融合的监管模式。How to implement regulatory intervention on the problemsome insurance companies by regulators is a pressing practical problem.Based on the case studies from both countries of UK and China,this paper discovers that there exists a lagging behind phenomenon in taking regulatory interventive actions.The regulatory bodies would always give higher regulatory tolerance to the problemsome insurance companies.Both the principle-oriented and the rule-oriented methods are indispensable in the practice of regulation.The regulatory force is playing an important role in the intervention actions.This study offers the following suggestions： to increase the regulatory power of the Insurance Guaranty Fund Companies,to establish the accountability mechanism for decisions of regulatory intervention,to establish a timely market information disclosure system,to stimulate different kinds of regulatory powers to take part in the interventive actions and to establish the combined regulatory mode of both rule-oriented and principle-oriented.

关 键 词：问题保险公司 监管干预 监管容忍度 监督力量 

分 类 号：F842.4[经济管理—保险]