摘要
随着以银行业、保险业为主导的金融并购浪潮席卷全球 ,金融混业经营日渐深入 ,保险市场竞争日趋激烈 ,西方各国的保险监管模式也发生了很大变革。我国已加入WTO ,保险市场将全方位对外开放 ,传统的严格监管模式已不适应形势发展的需要 ,但照搬西方松散的监管模式也不符合我国国情 ,所以采用以偿付能力监管为核心、兼顾市场行为监管的折衷监管模式是理想选择。
With the tide of financial merging majoring in banking and insurance business sweeping all over the world, the pervasion of finance composite operation increasingly, and the competition in the insurance markets growing more and more furious. The insurance supervising mode in western countries has achieved a great deal of changes. Now China has entered into WTO, and Chinese insurance market will be open in various aspects. The traditional strict insurance supervising mode has become unsuitable for the needs of the development of current situation. However, a simple copy of the western loose supervising mode won't accord with China's practical situation. Thus a compromising supervising mode that adopts solvency supervision as a core and gives attention to marketing activity supervising simultaneously is an ideal choice.
出处
《金融研究》
CSSCI
北大核心
2003年第6期100-105,共6页
Journal of Financial Research
基金
国家自然科学基金资助
批准号为 :70 1 73 0 1 1
关键词
保险监管
保险监管模式
折衷模式
insurance supervising, insurance supervising mode, compromising mode
