發(fā)布時間：2018-12-29 09:21

【摘要】：隨著經(jīng)濟的發(fā)展和保險市場進一步開放,保險主體逐年增加,我國保險市場競爭日益激烈,加上保險行業(yè)內(nèi)部的自律需求都給保險監(jiān)管帶來沉重的壓力和巨大的挑戰(zhàn)。目前,我國的保險行業(yè)監(jiān)管仍然是政府壟斷型的,在主觀的監(jiān)管上和客觀的管理上都存在無法克服的困難。相對于政府壟斷型的他律而言,保險行業(yè)協(xié)會的在信息獲取,監(jiān)管動力,監(jiān)管成本、監(jiān)管深度等方面,都有不可替代的優(yōu)勢,可以彌補政府監(jiān)管的不足。因此,在保險行業(yè)監(jiān)管中,為了實現(xiàn)更有效的監(jiān)管,除了加強政府的監(jiān)管,還要充分保險行業(yè)協(xié)會的功能優(yōu)勢,讓其積極地參與到保險監(jiān)管中來。但是,當(dāng)前我國的保險行業(yè)協(xié)會的發(fā)展面臨著許多障礙,保險行業(yè)協(xié)會自律的功能優(yōu)勢在政府壟斷型的保險監(jiān)管框架下,并沒有得到有效的發(fā)揮。本文著重研究佛山市保險行業(yè)協(xié)會的實際情況,引入合作治理的理論進行分析,闡明佛山市保險行業(yè)協(xié)會的現(xiàn)狀和存在問題,提出保險行業(yè)協(xié)會應(yīng)更好地參與保險監(jiān)管,推進保險行業(yè)協(xié)會的自律監(jiān)管,就需要建立“合作治理”的體制。在外部環(huán)境,要明確保險行業(yè)協(xié)會的法律地位,提升保險行業(yè)協(xié)會在合作治理中的主體地位;在協(xié)會的自身建設(shè)上,要完善自主治理結(jié)構(gòu),加強保險行業(yè)協(xié)會的自身能力建設(shè),提升保險行業(yè)協(xié)會的行業(yè)地位,發(fā)揮保險行業(yè)協(xié)會在行業(yè)監(jiān)管體制建設(shè)中的主體地位,充分發(fā)揮其自律監(jiān)管的治理職能,在合作治理中發(fā)揮應(yīng)有的功能和作用。
[Abstract]:With the development of economy and the further opening of insurance market, the main body of insurance is increasing year by year, the competition of insurance market in our country is increasingly fierce, and the self-discipline demand of insurance industry brings heavy pressure and huge challenge to insurance supervision. At present, the supervision of insurance industry in our country is still monopolized by the government, and there are insurmountable difficulties in subjective supervision and objective management. Compared with the monopolistic heteronomy of the government, the insurance industry associations have irreplaceable advantages in the aspects of information acquisition, supervision power, supervision cost, supervision depth and so on, which can make up for the deficiencies of government supervision. Therefore, in order to realize more effective supervision in the insurance industry, in addition to strengthening the supervision of the government, it is also necessary to make full use of the functional advantages of the insurance industry associations so that they can actively participate in the insurance supervision. However, at present, the development of insurance industry associations in China is facing many obstacles. The functional advantages of self-discipline of insurance industry associations have not been effectively brought into play under the framework of government monopoly insurance supervision. This paper focuses on the actual situation of insurance industry association in Foshan City, introduces the theory of cooperative governance to analyze the present situation and existing problems of insurance industry association in Foshan City, and points out that insurance industry association should participate in insurance supervision better. Promote insurance industry association self-regulation, need to establish "cooperative governance" system. In the external environment, it is necessary to clarify the legal status of insurance industry associations and enhance the main position of insurance industry associations in cooperative governance; In the self-construction of the association, it is necessary to perfect the self-governing structure, strengthen the capacity building of the insurance industry association, enhance the industry position of the insurance industry association, and give play to the main position of the insurance industry association in the construction of the industry supervision system. Give full play to its self-regulatory governance function, in the cooperative governance to play its due function and role.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F842.7;F203
，

本文編號：2394648