保险监管:原则导向还是规则导向——以英国Vehicle & General和我国某财产保险公司为案例  

Insurance Supervision: A Principle Based Regulation or a Rule Based Regulation——Take British Vehicle & General and China's a Property Insurance Company as a Case

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：《财经论丛》2011年第4期76-80,共5页Collected Essays on Finance and Economics

摘　　要：当前,原则导向方式已经成为国际保险监管的主流理念,但是原则导向如何落实,并如何协调与规则导向的关系,在世界保险业范围内广受讨论。本文采用案例研究法,以英国车辆通用保险公司为参照样本,对比我国陷入偿付能力危机的某财险公司进行分析。我们发现,原则导向与规则导向方式在我国保险监管实务中都不可或缺,原则不能代替规则,规则应在原则的指导下制定,原则与规则相辅相成。Presently, the principle based regulation already became a international insurance supervision mainstream, but how the principle based regulation carries out, and how the rule based regulation relations coordinates which are discussed widely in the world insurance business. The paper takes the ease study methodology to study the sample of British Vehicle and Genera/ insurance company, and to contrast me of China＇s property insurance company fell into insolvency crisis. It discovers that principles based regulation and rules based regulation are indispensable in practice, the pr/nciple cannot replace the rule, tile rule should be made out under the principle, the principle and the rule complement one another.

关 键 词：原则导向监管 规则导向监管 案例研究 

分 类 号：F840[经济管理—保险]