保险监管产生的主要原因在于市场失灵,包括垄断、公共物品、外部影响和信息不完全。政府对保险业进行监管可以实现交易成本的巨大节约,特别是当投保人的数量越多时,交易成本的节约也就越大。在实践中,由于各国国情、传统和现实变革的不同,政府在监管模式的选择上也呈现出一定的差异性和阶段性,但保险监管的根本目的是要保证保险人的偿付能力,从而最大限度地保证被保险人的利益。因此,有效的以偿付能力监管为核心的保险监管体系,应当建立在强大的保险信息数据库和高效的保险资金运用渠道基础之上。 The main reason for insurance regulation is market failure, including monopoly, public goods, external influences and incomplete information. Government regulation of the insurance industry can achieve tremendous savings in transaction costs, especially when the number of policyholders, the greater the transaction cost savings. In practice, due to the different national conditions, traditions and changes in reality, the government also shows some differences and stages in the choice of regulatory model. However, the fundamental purpose of insurance regulation is to ensure the insurer’s solvency and thus the maximum Limited to ensure the interests of the insured. Therefore, an effective insurance regulatory system that takes payment solvency as its core should be based on a strong insurance information database and an efficient channel for the use of insurance funds.