中国保险产业的政府规制及其优化策略  

Government Regulation and Optimization Strategy of China's Insurance Industry

作　　者：李孟刚[1] 李文锐[1] 

机构地区：[1]北京交通大学经济管理学院,北京100044

出　　处：《理论探讨》2017年第3期91-95,共5页Theoretical Investigation

基　　金：北京市哲学社会科学研究基地课题"新常态下保险产业发展问题研究"(15JDJGA080)阶段性成果

摘　　要：保险产业作为中国一种重要的新兴产业,具有风险的不确定性、产品定价的特殊性、利率调整影响的显著性等特点,这些特点的存在决定了保险产业是一种特别需要政府规制的行业。从现实来看,众多保险公司争夺万科股权的事件,最后惊动了证监会、保监会等政府高层,凸显了在当今经济发展中政府规制保险业的必然性。在分析保险产业政府规制的紧迫性和必要性的基础上,深入探讨了保险产业政府规制存在的主要问题,并依此提出解决问题的对策建议。The insurance industry, as an important emerging industry, has the following characteristics, such as the uncertainty of risk, the particularity of product pricing, and the significance of interest rate adjustment. The existence of these characteristics deter- mines that the insurance industry is a special need for government regulation of the industry. On the basis of analyzing the urgency and necessity of the government regulation of the insurance industry, this paper discusses the main problems of the government regulation of the insurance industry, and puts forward the countermeasures and suggestions to solve the problem.

关 键 词：保险产业 政府规制 现代保险监管体系 

分 类 号：F840.3[经济管理—保险]