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在国内保险业迅速发展的今天,如何进一步加强保险业的监管,完善保险监管体系是一项迫切需要解决的课题。我们认为,从保险业自身运行的特殊性和国内外保险业发展的现状以及当前金融监管的实际情况出发,建立独立的保险监管体系,是加强保险业监管,深化保险体制改革,防范保险经营风险,促进保险市场健康发展的重要方面。本文拟对这个方面进行探讨。一、保险业有着自身的运行规律,与银行业具有不同的运行特点,具有特殊性,有必要实行分业监管众所周知,银行的产生是由货币兑换业发展而来,它是经营存贷款和汇兑业务,充当债务人和债权人信用中介的特殊企业,其职能是发行货币、组织存
In the rapid development of the domestic insurance industry today, how to further strengthen the supervision of the insurance industry and improve the insurance regulatory system is an urgent issue to be solved. In our opinion, starting from the peculiarity of the insurance industry itself and the actuality of the development of the insurance industry at home and abroad as well as the actual situation of the current financial supervision, establishing an independent insurance regulatory system is to strengthen the supervision of the insurance industry, deepen the reform of the insurance system and prevent the risk of insurance business , To promote the healthy development of the insurance market an important aspect. This article intends to explore this aspect. First, the insurance industry has its own laws of operation, and the banking industry has a different operating characteristics, with particularity, it is necessary to implement the separation of supervision As we all know, the bank was generated by the currency exchange industry, it is the operation of deposits and loans and the exchange Business, acting as a specialized agency for debtors and creditors’ credit intermediaries, whose function is to issue currency, deposit