發(fā)布時間：2018-12-12 18:32

【摘要】： 隨著經(jīng)濟(jì)社會的發(fā)展,保險(xiǎn)業(yè)在經(jīng)濟(jì)領(lǐng)域中發(fā)揮著越來越重要的作用,保險(xiǎn)業(yè)的發(fā)達(dá)與否不僅是一個國家經(jīng)濟(jì)發(fā)展?fàn)顩r的標(biāo)志,更是關(guān)系到國家的經(jīng)濟(jì)安全,因而對保險(xiǎn)業(yè)能否實(shí)現(xiàn)有效的監(jiān)管就成為一個關(guān)鍵的課題。保險(xiǎn)業(yè)是典型的信息不對稱行業(yè),信息不對稱主要發(fā)生在監(jiān)管者與被監(jiān)管者、保險(xiǎn)公司與保險(xiǎn)消費(fèi)者之間,所以,如何對保險(xiǎn)公司實(shí)施有效監(jiān)管以及如何構(gòu)建最優(yōu)的保險(xiǎn)契約從而節(jié)約監(jiān)管成本和交易成本是本文討論的核心問題。從世界金融監(jiān)管發(fā)展的情況來看,各國的監(jiān)管制度滯后于經(jīng)濟(jì)發(fā)展的步伐,特別是跟不上金融創(chuàng)新的節(jié)奏已經(jīng)成為不爭的事實(shí),次貸危機(jī)引發(fā)的世界性金融危機(jī)就是最好的證明。因此,本文結(jié)合當(dāng)前世界金融監(jiān)管改革的大背景來探討后危機(jī)階段保險(xiǎn)業(yè)監(jiān)管的發(fā)展方向。筆者試圖通過對保險(xiǎn)行業(yè)的實(shí)質(zhì)特點(diǎn)的闡述并將保險(xiǎn)業(yè)監(jiān)管納入到整個金融監(jiān)管的宏觀框架之中,來論述應(yīng)當(dāng)如何構(gòu)建最佳的保險(xiǎn)監(jiān)管機(jī)制。從保險(xiǎn)監(jiān)管制度或體制存在弊端入手,提出完善保險(xiǎn)監(jiān)管的若干政策建議。
[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.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2010
【分類號】：D90-05;F842

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本文編號：2375093