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本文探讨的主旨在于研究美国保险监管机构处置面临财务危机的保险人的制度体系以及对国内相关制度的启示。通过介绍分析美国保险监督官协会制定的示范法以及据此订立的爱荷华州相关的法律,对督导、接管、重整以及清算这四种处置保险人财务危机的程序制度进行了系统的分析,并对保险保障基金以及抵消这两个在清算程序中至关重要的问题进行了探讨。通过对美国这一制度的具体分析,为国内的比较研究和实践立法提供有益的参考。
The main purpose of this paper is to study the system of insurers in U.S. insurance regulators dealing with the financial crisis and the implications for the relevant domestic systems. Through the introduction and analysis of the Model Law developed by the Association of Insurance Supervisors in the United States and the related laws in Iowa, the procedural systems of financial crisis, including supervision, takeover, reorganization and liquidation, are analyzed systematically And explored the insurance protection fund and offsetting the two issues of crucial importance in the liquidation process. Through the specific analysis of this system in the United States, it provides a useful reference for domestic comparative research and practice of legislation.