摘要
我国目前对保险主体的行政监管权限划分实行的是以层级监管为主、属地监管为辅的方式。随着保险业的飞速发展,我国保险公司法人机构驻地在全国范围内呈现离散分布趋势。充分发挥属地保监局的作用,强化对法人机构监管的呼声渐高,属地监管提上议事日程。从管理学角度看,属地监管可以降低监管成本与保险公司经营管理成本,提高监管效率,但属地监管也可能导致宏观审慎监管不足、地区执法力度差异导致的监管套利、监管导致企业成本过高、阻碍市场竞争等。我国保险业属地监管已经开始初步探索,在授权与机制建设方面存在需要完善之处。为进一步加强完善属地监管制度,可以分试点论证、部分实施、全面实施三个步骤分步加以推进。
The administrative regulatory power upon insurance companies in China today is based on a system of hierarchical regulation, supplemented by the territorial principle. With the rapid development of the insurance industry,insurance companies are being registered across the country, so that local CIRC bureaus are appealed to strength their regulation upon insurance companies within their jurisdiction. Today, the topic of territorial regulation has been put on the agenda for discussion. From the angle of administration theory, territorial regulation has the advantages of lower regulatory cost, as well as lower management cost of insurance corporations, and increase of regulatory efficiency. However territorial regulation may possibly lead to consequences such as lack of macro discretion on regulation, arbitrage from regulatory diversity of different bureaus, increase of corporate costs, or impediment to market competition, etc. China has started to experiment with the territorial principle in the regulation of regional insurance markets, but still needs to further improve on the authorization system and relevant mechanisms. As conclusion, three steps may be taken to give impetus to the application of the territorial principle： experimental demonstration, partial implementation and full-scale rolling-out.
出处
《保险研究》
北大核心
2010年第11期61-66,共6页
Insurance Studies
关键词
保险监管
属地监管
保险公司法人机构
insurance regulation
territorial regulation
insurance corporations
