本文關(guān)鍵詞： 保險(xiǎn)行業(yè) 行業(yè)監(jiān)管 區(qū)域監(jiān)管　出處：《湖南大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：2008年美國(guó)金融危機(jī)效應(yīng)的溢出，給世界的金融系統(tǒng)行業(yè)監(jiān)管敲響了警鐘，，促使監(jiān)管機(jī)構(gòu)重新思考行業(yè)監(jiān)管的發(fā)展方向，作為專(zhuān)門(mén)經(jīng)營(yíng)風(fēng)險(xiǎn)的保險(xiǎn)業(yè)，在行業(yè)監(jiān)管上的需求更超出了其他金融行業(yè)，但我國(guó)的保險(xiǎn)行業(yè)監(jiān)管由于采用政府主導(dǎo)型監(jiān)管方式，整體仍處于市場(chǎng)的初期階段，這就導(dǎo)致保險(xiǎn)行業(yè)在目前的市場(chǎng)環(huán)境下監(jiān)管難以到位，即使是地區(qū)性的保險(xiǎn)行業(yè)監(jiān)管在大環(huán)境下也有處于政府失靈狀態(tài)的可能，本文研究的目的和意義正在于尋求對(duì)發(fā)生該類(lèi)監(jiān)管失靈可能的防范。 本文研究的核心內(nèi)容是如何完善湖南省區(qū)域內(nèi)的保險(xiǎn)行業(yè)監(jiān)管，并通過(guò)采用文獻(xiàn)分析和比較分析的研究方法，全面對(duì)目前的湖南省保險(xiǎn)行業(yè)監(jiān)管狀態(tài)進(jìn)行分析，發(fā)現(xiàn)湖南省的區(qū)域保險(xiǎn)市場(chǎng)仍處于早期市場(chǎng)狀態(tài)下，社會(huì)信用體系的缺失使市場(chǎng)處于嚴(yán)格監(jiān)管之下，整體存在監(jiān)管主體發(fā)展滯后、制訂的監(jiān)管制度滯后以及監(jiān)管力度失衡等問(wèn)題，而這不利于良性的市場(chǎng)發(fā)展，必須從科學(xué)化、寬松化的角度來(lái)完善區(qū)域內(nèi)的保險(xiǎn)行業(yè)監(jiān)管，香港保險(xiǎn)市場(chǎng)的良性發(fā)展已證明了這點(diǎn)。 本文通過(guò)借鑒國(guó)內(nèi)外保險(xiǎn)行業(yè)監(jiān)管發(fā)達(dá)國(guó)家或地區(qū)的經(jīng)驗(yàn)，結(jié)合湖南省保險(xiǎn)行業(yè)監(jiān)管發(fā)展的現(xiàn)狀，就如何完善本地區(qū)的保險(xiǎn)行業(yè)監(jiān)管提出了一些建議。重點(diǎn)包括尋求通過(guò)對(duì)湖南省保險(xiǎn)行業(yè)監(jiān)管的主體結(jié)構(gòu)構(gòu)建、監(jiān)管制度和體系建設(shè)、長(zhǎng)期的客體意識(shí)培訓(xùn)以及信息管理的強(qiáng)化等方面的完善，來(lái)改變當(dāng)前本地區(qū)保險(xiǎn)行業(yè)整體監(jiān)管緊，未能促成地區(qū)保險(xiǎn)市場(chǎng)良性發(fā)展的情況。這些措施的提出，將可供本地區(qū)保險(xiǎn)監(jiān)管機(jī)構(gòu)進(jìn)行區(qū)域市場(chǎng)行業(yè)監(jiān)管改變時(shí)給予一定的參考。
[Abstract]:In 2008, the spillover effect of the American financial crisis sounded the alarm bell for the industry supervision of the world's financial system, prompting the regulators to rethink the development direction of the industry supervision, as the insurance industry specialized in managing risks. The demand for industry supervision exceeds that of other financial industries. However, the insurance industry supervision in China is still in the early stage of the market because of the adoption of government-led supervision. This has led to difficulties in regulating the insurance industry in the current market environment. Even regional insurance industry regulation may be in a state of government failure under the general environment. The purpose and significance of this study is to seek possible precautions against the occurrence of this kind of regulatory failure. The core content of this paper is how to improve the supervision of insurance industry in Hunan Province, and by using the research methods of literature analysis and comparative analysis, the paper comprehensively analyzes the current supervision status of insurance industry in Hunan Province. It is found that the regional insurance market in Hunan Province is still in the early stage of the market, the absence of social credit system makes the market under strict supervision, and the overall development of the main body of supervision lags behind. The regulatory system developed is lagging behind and the regulatory intensity is out of balance, which is not conducive to healthy market development. Therefore, we must perfect the insurance industry supervision in the region from the perspective of science and leniency. The benign development of the Hong Kong insurance market has proved this. Based on the experience of developed countries and regions in China and abroad, this paper combines the current situation of insurance industry supervision and development in Hunan Province. This paper puts forward some suggestions on how to improve the supervision of insurance industry in this area. The emphasis includes the construction of the main structure, the supervision system and the system construction of the insurance industry supervision in Hunan Province. The long-term training of object consciousness and the strengthening of information management are to change the situation that the insurance industry in the region as a whole is under tight supervision and has not contributed to the healthy development of the regional insurance market. These measures have been put forward. It can be used as a reference for local insurance regulators to change the regulation of regional market industry.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F842.0

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