我国保险业治理体系发展优化研究  

Research on Development and Optimization of China’s Insurance Governance System

作　　者：王冉 孙涛[1] WANG Ran;SUN Tao(College of Economics and Management,Nanjing University of Aeronautics and Astronautics,Nanjing Jiangsu 211106,China;Jincheng College,Nanjing University of Aeronautics and Astronautics,Nanjing Jiangsu,211156,China)

机构地区：[1]南京航空航天大学经济与管理学院,江苏南京211106 [2]南京航空航天大学金城学院,江苏南京211156

出　　处：《技术经济与管理研究》2019年第11期66-71,共6页Journal of Technical Economics & Management

基　　金：江苏省社科基金重点项目(2012EYA001);江苏省教育厅高校哲学与社会科学基金项目(2018SJA2088);中航集团广义虚拟经济研究专项(GX2012-1023(Y))

摘　　要：随着我国工业化、信息化及城市化建设的不断深入推进,经济社会发展日新月异。在经济高速发展的同时,也伴随着许多潜在风险扰乱社会秩序,对社会的平稳造成冲击。而保险业作为金融的重要组成部分,保险不单单只是社会公共风险防范手段,也是社会治理的重要参与者。因此,建立保险治理体系创新社会治理模式势在必行。本文以保险治理和公共治理的关系和内在逻辑为出发点,通过分析我国现有保险治理体系状况发现我国保险业存在法律滞后、发展环境不优、保险资源分配不均及运营不合规等诸多问题。针对问题,本文分别从顶层设计、优化保险机构内部治理以及创新保险业等角度提出优化意见和具体策略。With deepening China’s industrialization,informatization and urbanization,social and economic development is changing with each passing day. With the rapid development of economy,there are many potential risks that disturb the social order and impact the social stability. As an important part of finance,insurance has been proved in many practices,not only as a means to prevent public risks,but also as an important participant in social governance. Therefore,it is imperative to establish insurance governance system and innovate social governance model. Based on the relationship and internal logic between insurance governance and public governance,the existing insurance governance system in China is analyzed,found out many development problems and challenges,such as the lag of China’s insurance law,poor development environment,uneven distribution of insurance resources and difficulty in compliance operation. In view of the existing development problems and difficulties,according to the"governance system"concept proposed by the CPC central committee,the optimization opinions and specific implementation strategies are put forward respectively from the perspective of top-level design,optimization of internal governance capacity of insurance institutions and innovation of insurance industry.

关 键 词：保险业 治理体系 保险监管 治理创新 

分 类 号：F840.32[经济管理—保险]