【摘要】：保險(xiǎn)產(chǎn)業(yè)復(fù)業(yè)至今已近四十年,見證了我國(guó)改革開放的歷史時(shí)刻,也通過(guò)改革取得了快速的發(fā)展。但從保險(xiǎn)產(chǎn)業(yè)政府規(guī)制的角度看,保險(xiǎn)產(chǎn)業(yè)在發(fā)展中尚存在很多不足之處。保險(xiǎn)產(chǎn)業(yè)的健康發(fā)展,既需要從業(yè)者的苦心經(jīng)營(yíng),學(xué)者的深入研究,更需要政府從宏觀層面進(jìn)行規(guī)制。借助政府與市場(chǎng)部門的協(xié)同影響,才能保障維持保險(xiǎn)市場(chǎng)的正常秩序,促進(jìn)保險(xiǎn)產(chǎn)業(yè)又好又快的發(fā)展。本文通過(guò)引入系統(tǒng)科學(xué)的相關(guān)思想和理論,從系統(tǒng)的視角構(gòu)建了政府規(guī)制模式的概念、運(yùn)作和分析框架,寄希望在理論分析中找到新型監(jiān)管洞察模式。對(duì)我國(guó)保險(xiǎn)產(chǎn)業(yè)規(guī)制進(jìn)行分析,涉及到保險(xiǎn)學(xué)、委托—代理學(xué)以及規(guī)制經(jīng)濟(jì)等領(lǐng)域,要應(yīng)用的理論與分析方式也很多。本文在進(jìn)行分析的時(shí)候,重點(diǎn)運(yùn)用了規(guī)范研究與實(shí)證研究、對(duì)比分析和綜合分析等研究方法。本文首先對(duì)我國(guó)保險(xiǎn)產(chǎn)業(yè)政府規(guī)制所經(jīng)歷的四個(gè)階段進(jìn)行了梳理,并結(jié)合每個(gè)階段的時(shí)代特點(diǎn),分析了不同階段保險(xiǎn)產(chǎn)業(yè)規(guī)制的特點(diǎn)。在此基礎(chǔ)上,從保險(xiǎn)機(jī)構(gòu)準(zhǔn)入與退出、償付能力、市場(chǎng)行為以及公司治理四個(gè)方面研究了保險(xiǎn)產(chǎn)業(yè)政府規(guī)制的內(nèi)容。并在當(dāng)前經(jīng)濟(jì)新常態(tài)的背景下,分析了我國(guó)保險(xiǎn)產(chǎn)業(yè)規(guī)制面臨的機(jī)遇和挑戰(zhàn),同時(shí)對(duì)規(guī)制存在的主要問題進(jìn)行了研判。然后提出保險(xiǎn)產(chǎn)業(yè)政府規(guī)制優(yōu)化框架,描述了規(guī)制模式系統(tǒng)的概念和系統(tǒng)特征。介紹了保險(xiǎn)產(chǎn)業(yè)政府規(guī)制系統(tǒng)是一個(gè)由多個(gè)部分組成,具有層次性、動(dòng)態(tài)性、開放性、非線性和一定目的性的系統(tǒng)。接著,構(gòu)建了政府規(guī)制的運(yùn)作模型,保險(xiǎn)產(chǎn)業(yè)政府規(guī)制模式系統(tǒng)的運(yùn)作是基于反饋的投入產(chǎn)出循環(huán)系統(tǒng)。最后,基于系統(tǒng)特征和運(yùn)作模型,以最大化規(guī)制政策產(chǎn)生的效益和最小化規(guī)制政策導(dǎo)致的風(fēng)險(xiǎn)為目標(biāo),構(gòu)建了保險(xiǎn)產(chǎn)業(yè)政府規(guī)制模式的分析框架�；谶@個(gè)分析框架,我們可以對(duì)現(xiàn)有的保險(xiǎn)產(chǎn)業(yè)市場(chǎng)和規(guī)制進(jìn)行分析,以及對(duì)其進(jìn)行優(yōu)化。并結(jié)合子系統(tǒng)分析的方法,從準(zhǔn)入與退出規(guī)制子系統(tǒng)、償付能力規(guī)制子系統(tǒng)、市場(chǎng)行為規(guī)制子系統(tǒng)和公司治理規(guī)制子系統(tǒng)四個(gè)方面,討論了保險(xiǎn)產(chǎn)業(yè)政府規(guī)制的子系統(tǒng)。同時(shí),比較和借鑒西方國(guó)家的經(jīng)驗(yàn),分別為美國(guó)的兩級(jí)式規(guī)制模式、日本的行政式規(guī)制模式、英國(guó)的松散式規(guī)制模式和德國(guó)的穩(wěn)健式規(guī)制模式。最后,提出優(yōu)化我國(guó)保險(xiǎn)產(chǎn)業(yè)政府規(guī)制的對(duì)策建議。本文在和研究方法、研究框架、研究?jī)?nèi)容等方面體現(xiàn)出不同的創(chuàng)新點(diǎn)。運(yùn)用綜合的系統(tǒng)方法對(duì)我國(guó)保險(xiǎn)產(chǎn)業(yè)政府規(guī)制進(jìn)行了全方位的研究,并運(yùn)用這一系統(tǒng)建立了我國(guó)保險(xiǎn)產(chǎn)業(yè)政府規(guī)制的概念模型和運(yùn)作模型,構(gòu)建了保險(xiǎn)產(chǎn)業(yè)政府規(guī)制模式的分析框架。在分析框架中進(jìn)行了深入的分析和研究,最后提出了具有建設(shè)性的我國(guó)保險(xiǎn)產(chǎn)業(yè)政府規(guī)制優(yōu)化的對(duì)策。
[Abstract]:It has been nearly 40 years since the insurance industry resumed business, which witnessed the historical moment of reform and opening up in China, and also achieved rapid development through the reform. But from the angle of government regulation of insurance industry, there are still many deficiencies in the development of insurance industry. The healthy development of insurance industry requires the painstaking management of practitioners, the in-depth study of scholars, and the regulation of the government from the macro level. With the help of the coordinated influence of the government and the market department, the insurance market can be guaranteed to maintain the normal order and promote the insurance industry to develop well and quickly. By introducing the relevant ideas and theories of systems science, this paper constructs the concept, operation and analysis framework of the government regulation model from the system perspective, and hopes to find a new mode of supervision insight in the theoretical analysis. This paper analyzes the regulation of insurance industry in China, which involves many fields, such as insurance theory, principal-agent theory and regulation economy, and there are many theories and analytical methods to be applied. This paper focuses on normative and empirical research, comparative analysis and comprehensive analysis. This paper firstly combs the four stages of government regulation of China's insurance industry, and analyzes the characteristics of different stages of insurance industry regulation according to the characteristics of each stage. On this basis, the contents of government regulation of insurance industry are studied from four aspects: admission and withdrawal of insurance institutions, solvency, market behavior and corporate governance. Under the background of the new normal state of economy, this paper analyzes the opportunities and challenges faced by the regulation of insurance industry in China, and at the same time studies the main problems existing in the regulation. Then it puts forward the framework of government regulation optimization of insurance industry, and describes the concept and system characteristics of regulation mode system. This paper introduces the government regulation system of insurance industry, which is composed of several parts and has the characteristics of hierarchy, dynamics, openness, nonlinearity and definite purpose. Then, the operating model of government regulation is constructed. The operation of insurance industry government regulation mode system is based on feedback input-output circulatory system. Finally, based on the system characteristics and operational model, this paper constructs an analytical framework of government regulation model of insurance industry, aiming at maximizing the benefits of regulatory policies and minimizing the risks caused by regulatory policies. Based on this framework, we can analyze and optimize the existing insurance industry market and regulation. Combined with the method of subsystem analysis, this paper discusses the subsystem of government regulation of insurance industry from four aspects: admission and exit regulation subsystem, solvency regulation subsystem, market behavior regulation subsystem and corporate governance regulation subsystem. At the same time, comparing and drawing lessons from the experience of the western countries, respectively, the two-level regulation model of the United States, the administrative regulation model of Japan, the loose regulation model of the United Kingdom and the steady regulation model of Germany. Finally, the author puts forward the countermeasures and suggestions to optimize the government regulation of insurance industry in China. In this paper, and research methods, research framework, research content and other aspects reflect different innovation. The comprehensive systematic method is used to study the government regulation of insurance industry in China, and the conceptual model and operation model of government regulation of insurance industry in China are established by using this system. The analysis frame of government regulation mode of insurance industry is constructed. In the framework of analysis, the author makes a thorough analysis and research, and finally puts forward some constructive countermeasures to optimize the government regulation of insurance industry in China.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2017
【分類號(hào)】：D630;F842

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