保险监管效率及其评价  

Insurance Regulation Efficiency and Its Assessment

作　　者：陶存文[1] 徐景峰[1] 

机构地区：[1]中央财经大学保险学院中国精算研究院,北京100081

出　　处：《保险研究》2012年第10期8-13,共6页Insurance Studies

基　　金：教育部人文社会科学重点研究基地重大项目(批准号:2009JJD790054)的主要研究成果之一

摘　　要：保险业监管效率不仅是指保险监管机构本身监管保险市场的工作效率,还应该包括通过其被监管对象所反映出来的市场效率。有效的保险监管必须是适度和可行的,即实现保险市场的收益与成本差额最大化,使保险市场效率达到最优。目前,国内对保险监管效率的研究比较薄弱,有些研究只是侧重对保险监管制度的定性分析,并在此基础上探讨保险监管的有效性。本文从保险监管效率定性分析出发,通过定量分析对我国保险监管效率作出评价,进而提出相应的改进政策建议。Efficiency of insurance regulation not only refers to how efficiently the insurance regulatorybody supervises the insurance market, but also refers to how efficiently the regulated market entities work. Effective insurance regulation should be appropriate and feasible, which means the maximization of the input and output gap of the insurance market, and the optimization of efficiency in insurance market. Presently the domestic research on insurance market efficiency is relatively weak. Some researches just focus on qualitative analysis of insurance regulation regime and in return, the effectiveness of the supervision. The paper proceeded from a qualitative analysis on insurance market regulation efficiency, then made aquantitative appraisal of the result, and finally put forward some policy suggestions on further improvement.

关 键 词：保险监管 效率 评价 

分 类 号：F840.32[经济管理—保险]