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当前,市场约束是国际金融保险监管的重要手段,积极发挥市场约束的作用,是我国保险监管面临的重要课题。本文全面分析市场约束在有效保险监管中的重要作用,深入研究有效市场约束的条件和保险监管中市场约束的作用机制,并首次尝试对河北保险监管中的市场约束现状进行实证分析。实证结果表明:保险机构风险的增加并没有引起明显的市场反应,有的反应与正常的情况相反,表明当前河北保险行业的市场约束机制比较微弱。在这一结论的基础上,提出了发挥市场约束作用、提高保险监管有效性的政策建议。
At present, market restraint is an important means of supervision of international financial insurance, and the role of market restraint is actively exerted. It is also an important issue facing China’s insurance regulation. This paper comprehensively analyzes the important role of market constraint in effective insurance regulation, deeply studies the conditions of effective market constraint and the market constraint mechanism in insurance regulation, and tries for the first time to make an empirical analysis of the current market restriction status in insurance regulation in Hebei Province. The empirical results show that the increase of risk in insurance institutions does not cause obvious market reaction, and some reactions are contrary to the normal ones, indicating that the current market restraint mechanism of Hebei insurance industry is relatively weak. On the basis of this conclusion, this paper puts forward the policy suggestion of exerting market restraint and improving the efficiency of insurance regulation.