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保险监管是项长期工作,增强保险监管实效,是保险监管工作的目标。但保险监管的资源是有限的,监管并非无所不能,而且,过度的监管会对保险业的发展带来一定的影响,甚至偏离监管的根本目的。 国际金融监管普遍遵循审慎监管、重点与差别监管和有效监管的原则,我国香港特区保险监管当局也提出“最大的支持,最小的干扰”监管原则。这样,就必须充分发挥现有的监管资源,在着力提高保险监管的有效性上下功夫。
Insurance supervision is a long-term work to enhance the effectiveness of insurance supervision is the goal of insurance regulatory work. However, the resources for insurance supervision are limited. Supervision is not omnipotent. Moreover, excessive supervision will have an impact on the development of insurance industry and even deviate from the fundamental purpose of regulation. International financial supervision generally follows the principle of prudential supervision, emphasis and difference supervision and effective supervision. The insurance regulatory authorities in Hong Kong SAR of our country also put forth the principle of “maximum support and minimum interference”. In this way, we must give full play to existing regulatory resources and work hard to improve the effectiveness of insurance regulation.