论文部分内容阅读
随着保险业务的快速发展,保险覆盖面不断扩大,市场体系日趋完善,地市保险市场已成为保险业竞争的重要领域。地市保险市场发展潜力开始集中显现,市场竞争日趋激烈,监管压力不断加大。当前,地市保险市场秩序管控机制存在的问题是传导不畅,公司内部管控不能顺利贯彻;机制不明,行业协会作用难以有效发挥;力量不足,监管机构效力无法全面到位。要构建地市保险市场秩序长效机制,必须上下联动,加大督导力度,提高地市保险机构的自我规范、自我约束能力;完善机制,强化责任落实,发挥行业平台相互监督、相互约束的作用;突出重点,加强现场检查,切实履行监管机构保障地市市场规范运行的职能。要通过纵横联动,构筑起公司、行业自律组织、监管机构互有分工、各负其责的有效管控机制和监管网络,整体提升地市保险市场防范风险和又好又快发展的能力。
With the rapid development of insurance business, the coverage of insurance is constantly expanding and the market system is getting more and more perfect. The market of city insurance has become an important area for insurance competition. The development potential of the municipal insurance market has started to show its concentration. The market competition is becoming increasingly fierce and regulatory pressure is constantly increasing. At present, the problems in the management and control mechanism of the market insurance market in cities are poorly conducted and the internal control of the company can not be implemented smoothly. The mechanism is unclear, the role of trade associations is difficult to effectively play out, and the lack of strength can not fully guarantee the effectiveness of regulatory agencies. In order to construct a long-term mechanism of market order in prefectural cities and cities, it is necessary to move up and down to increase supervision and improve the self-regulation and self-restraining ability of insurance agencies in cities and prefectures; improve the mechanism, strengthen the implementation of responsibilities, give play to the role of mutual supervision and mutual restraint of the industry platform ; Give prominence to the key points, strengthen on-the-spot inspection and earnestly perform the functions of regulatory agencies in guaranteeing the normal operation of market in cities and cities. It is necessary to establish an effective management and control mechanism and a regulatory network in which companies, industry self-regulatory organizations and regulatory bodies share their responsibilities with each other and with their respective responsibilities through vertical and horizontal linkage to enhance the overall ability to prevent risks and develop soundly and rapidly in the municipal insurance market.