保险监管行政处罚效果的实证研究

发布时间：2018-04-14 03:21

本文选题：保险违法违规行为 + 保监会　；参考：《河北大学》2014年硕士论文

【摘要】：保险是金融领域的重要支柱之一，其发展状况直接影响到整个社会的经济秩序。近年来，保险业发展迅猛，主体大量增加，，服务领域不断拓宽，而在其良好的发展态势之下却隐藏了重大的弊端——违法违规经营问题日益严重。保监会是保险监管机构，处罚是监管的重要手段，能否正确评价处罚效果直接关系到能否正确认识保险处罚现阶段存在的问题以及改进和发展的方向。为了深入分析，本文分四章进行研究。第一章保险监管行政处罚效果研究的基础理论。保险市场在近年来取得重大成就的同时也面临着违法违规行为居高不下的困境，这些行为严重侵害了被保险人的利益，为了保证市场的公平，必须加强保险监管，特别是政府部门的监管。本章从基础理论入手，重点阐释了保险监管行政处罚的必要性，主体、方式、处罚依据等方面的具体规定和处罚效果的界定等问题。第二章以处罚主体为视角研究保险监管行政处罚的效果。保险监管机关作为保险违法违规行为的处罚主体，作出行政处罚的合理性和执行力直接决定了该处罚对于处罚对象的影响。本章从处罚不合理和执行力低下的具体表现入手，分析原因，提出对策，对处罚效果进行了具体论述。第三章以处罚对象为视角研究保险监管行政处罚的效果。目前保险市场上存在着一种怪象，即屡犯屡罚，罚完又犯。针对这一现状，本章通过对具体数据进行统计，深层挖掘保险监管行政处罚在威慑力和有效性两方面存在的诸多问题以及导致这些问题产生的具体原因和应对措施。第四章以社会反响为视角研究保险监管行政处罚的效果。任何领域都是整个社会发展的一部分，保险业也不例外，因此，对保险违法违规行为的处罚要和整个社会相融合，对社会产生正面影响，从而形成良好的社会效果。而处罚的公正与否很大程度上取决于程序的完善与否。本章以具体的处罚样本为参考，引出保险监管行政处罚在程序方面存在的漏洞以及产生漏洞的根源所在，通过深入分析，找出解决问题的有效途径。
[Abstract]:Insurance is one of the important pillars in the financial field, and its development directly affects the economic order of the whole society.In recent years, the insurance industry develops rapidly, the main body increases greatly, the service domain expands unceasingly, but in its good development situation, but has hidden the important malpractice-the illegal operation problem is becoming more and more serious.The Insurance Regulatory Commission (CIRC) is an insurance regulatory institution, and punishment is an important means of supervision. Whether it can correctly evaluate the effect of punishment is directly related to the correct understanding of the problems existing in the present stage of insurance punishment and the direction of improvement and development.For further analysis, this paper is divided into four chapters.The first chapter is the basic theory of the study on the effect of the administrative penalty of insurance supervision.While the insurance market has made great achievements in recent years, it is also facing the dilemma of high level of illegal and illegal behavior, which seriously infringes the interests of the insured. In order to ensure the fairness of the market, insurance supervision must be strengthened.In particular, the supervision of government departments.Starting with the basic theory, this chapter mainly explains the necessity, the subject, the way, the punishment basis and the definition of the punishment effect of the insurance supervision administrative punishment.The second chapter studies the effect of administrative punishment of insurance supervision from the perspective of the subject of punishment.As the subject of punishment for illegal and illegal acts of insurance, the rationality and execution of administrative punishment directly determine the impact of the punishment on the object of punishment.This chapter starts with the concrete manifestation of unreasonable punishment and low execution, analyzes the reasons, puts forward the countermeasures, and discusses the effect of punishment.The third chapter studies the effect of administrative punishment of insurance supervision from the perspective of punishment object.At present, there is a strange phenomenon in the insurance market, that is, repeated punishment, penalty and crime.In view of this present situation, this chapter through carries on the statistics to the concrete data, deeply excavates the insurance supervision administrative punishment in the deterrence and the validity two aspects many questions as well as the concrete reason which causes these questions and the countermeasure.The fourth chapter studies the effect of administrative punishment of insurance supervision from the perspective of social repercussions.Any field is a part of the whole social development, and the insurance industry is no exception. Therefore, the punishment of the illegal and illegal behavior of insurance should be merged with the whole society, which has a positive impact on the society, thus forming a good social effect.Whether the punishment is fair or not depends largely on the perfection of the procedure.This chapter takes the specific punishment sample as the reference, leads to the loophole in the procedure aspect of the administrative punishment of insurance supervision and the origin of the loophole, through the thorough analysis, finds out the effective way to solve the problem.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.284;D922.11

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