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我国自1992年开始对外开放国内保险市场以来,到1996年6月底,已有来自13个国家和地区的91家保险公司在我国境内设立了154家代表处。目前,还有不少国家的保险公司向我国有关部门提出进入我国保险市场的申请。在此种情形下,要使我国保险业健康发展,需要一套完备的、能够适用于有效解决与外国保险公司进入我国保险市场有关的新问题的保险业法。我国目前关于保险业的法律仅为《中华人民共和国保险法》的第三、四、五章,共52条。在保险市场对外开放的情况下,这些法律已明显不敷使用,需要加以完善。为此,笔者拟结合台湾和日本的经验就保险市场开放情形下如何完善我国保险业法谈谈自己的看法。
Since the opening up of the domestic insurance market to our country in 1992, China has already set up 91 representative offices of 91 insurance companies in 13 countries and regions by the end of June 1996. At present, many insurance companies in the country have submitted applications to China’s insurance market to the relevant departments of our country. Under such circumstances, for the healthy development of China’s insurance industry, a comprehensive set of insurance laws that can be applied to effectively solve the new problems related to the entry of foreign insurance companies into the insurance market of our country is needed. China’s current law on the insurance industry is only the “People’s Republic of China Insurance Law,” the third, fourth, fifth chapter, a total of 52. When the insurance market is opened to the outside world, these laws have obviously been inadequate and need to be improved. To this end, the author intends to combine Taiwan and Japan’s experience on the insurance market open situation how to improve China’s insurance industry law to talk about their own views.