保险监管机制的法经济学分析
发布时间：2018-12-12 18:32
【摘要】： 随着经济社会的发展,保险业在经济领域中发挥着越来越重要的作用,保险业的发达与否不仅是一个国家经济发展状况的标志,更是关系到国家的经济安全,因而对保险业能否实现有效的监管就成为一个关键的课题。保险业是典型的信息不对称行业,信息不对称主要发生在监管者与被监管者、保险公司与保险消费者之间,所以,如何对保险公司实施有效监管以及如何构建最优的保险契约从而节约监管成本和交易成本是本文讨论的核心问题。从世界金融监管发展的情况来看,各国的监管制度滞后于经济发展的步伐,特别是跟不上金融创新的节奏已经成为不争的事实,次贷危机引发的世界性金融危机就是最好的证明。因此,本文结合当前世界金融监管改革的大背景来探讨后危机阶段保险业监管的发展方向。笔者试图通过对保险行业的实质特点的阐述并将保险业监管纳入到整个金融监管的宏观框架之中,来论述应当如何构建最佳的保险监管机制。从保险监管制度或体制存在弊端入手,提出完善保险监管的若干政策建议。
[Abstract]:With the development of economy and society, the insurance industry plays a more and more important role in the economic field. Whether the insurance industry is developed or not is not only the symbol of a country's economic development, but also relates to the national economic security. Therefore, whether the insurance industry can achieve effective supervision has become a key issue. Insurance industry is a typical information asymmetry industry, information asymmetry mainly occurs between regulators and supervisors, insurance companies and insurance consumers, so, How to supervise the insurance company effectively and how to construct the optimal insurance contract to save the supervision cost and transaction cost are the core problems discussed in this paper. Judging from the development of financial supervision in the world, it has become an indisputable fact that the regulatory systems of various countries lag behind the pace of economic development, in particular, they cannot keep up with the pace of financial innovation. The world financial crisis caused by the subprime mortgage crisis is the best proof. Therefore, this paper discusses the development direction of insurance supervision in the post-crisis stage in the light of the background of the current world financial regulatory reform. The author tries to discuss how to construct the best insurance supervision mechanism by expounding the essential characteristics of insurance industry and bringing insurance supervision into the macro framework of the whole financial supervision. Based on the defects of insurance supervision system, some policy suggestions on how to improve insurance supervision are put forward.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D90-05;F842
本文编号：2375093
[Abstract]:With the development of economy and society, the insurance industry plays a more and more important role in the economic field. Whether the insurance industry is developed or not is not only the symbol of a country's economic development, but also relates to the national economic security. Therefore, whether the insurance industry can achieve effective supervision has become a key issue. Insurance industry is a typical information asymmetry industry, information asymmetry mainly occurs between regulators and supervisors, insurance companies and insurance consumers, so, How to supervise the insurance company effectively and how to construct the optimal insurance contract to save the supervision cost and transaction cost are the core problems discussed in this paper. Judging from the development of financial supervision in the world, it has become an indisputable fact that the regulatory systems of various countries lag behind the pace of economic development, in particular, they cannot keep up with the pace of financial innovation. The world financial crisis caused by the subprime mortgage crisis is the best proof. Therefore, this paper discusses the development direction of insurance supervision in the post-crisis stage in the light of the background of the current world financial regulatory reform. The author tries to discuss how to construct the best insurance supervision mechanism by expounding the essential characteristics of insurance industry and bringing insurance supervision into the macro framework of the whole financial supervision. Based on the defects of insurance supervision system, some policy suggestions on how to improve insurance supervision are put forward.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D90-05;F842
【参考文献】
相关期刊论文 前7条
1 钱维章,何唐兵;论保险公司的治理结构建设[J];保险研究;2003年10期
2 孙祁祥;郑伟;肖志光;;保险业与美国金融危机:角色及反思[J];保险研究;2008年11期
3 冷煜;;金融危机启示:金融一体化监管趋势下的保险监管[J];保险研究;2009年04期
4 李未,朱雨顺,刘伟;美国“RBC标准”对我国保险监管的启示[J];金融与经济;2004年12期
5 陈柳钦;;金融危机背景下美国金融监管构架改革[J];中共天津市委党校学报;2009年03期
6 田原;;金融危机下完善我国保险监管的思考[J];中外企业家;2009年08期
7 吴淑君;徐小庆;;金融危机背景下德国的金融监管体制及其启示[J];中国行政管理;2009年02期
相关博士学位论文 前1条
1 侯祖戎;中国保险业经营模式变迁与监管机制创新[D];华中科技大学;2005年
，本文编号：2375093
本文链接：https://www.wllwen.com/falvlunwen/fashilw/2375093.html
