我国保险监管发展中存在的问题及对策选择

摘要

In recent years , insurance market in china has made steady development and insurance market supervision has been quite effective.This paper gives an overview of the current state of insurance market and the state of its supervision.It analyses issues of supervision models and options , issues of supervisory regula-tion and professional body self -regulation.The paper advocates the idea and suggests the policy of strengthe-ning the insurance payout capacity , supervision optimize cooperation governance structure.improve profession-al body self regulation and information disclosure , advancing a culture of insurance supervision.%近年来，我国保险市场稳健发展，保险监管取得良好的成效。文章在概括我国保险市场发展特点和保险监管现状的基础上，分析和探讨了目前我国保险监管在监管模式选择、监管法律法规建设、行业自律组织作用等方面存在的主要问题，针对我国保险监管发展的现状，提出应充分发挥保险偿付能力监管的核心作用，优化保险市场经营主体的公司治理结构，完善行业自律监督和信息披露制度，推动保险监管文化建设的对策建议。