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保险业以特定风险为经营对象,在社会经济发展中起着“经济助推器”和“社会稳定器”的作用。因此世界各国均对保险业进行一定程度的监管,形成了政府监管,保险行业协会自律和保险企业内部控制的监管体系。但是,我国目前保险行业协会自律监管在监管体系中的地位不明、独立性差,严重影响自律监管作用的发挥。所以本文试图对其与政府监管的关系进行着重研究,以求保险行业协会监管权限得到合理界定,管理权得以有效行使。
The insurance industry takes the specific risk as the management target and plays the role of “economic booster” and “social stabilizer” in the social and economic development. Therefore, all countries in the world supervise the insurance industry to a certain extent, forming a supervisory system of government regulation, self-protection of insurance industry associations and internal control of insurance companies. However, the current status of self-regulation of insurance industry associations in the regulatory system is unclear and the independence is poor, which seriously affects the role of self-regulation and supervision. Therefore, this paper attempts to study the relationship between government supervision and supervision in order to ensure that the regulatory authority of the insurance industry association is reasonably defined and the management right can be effectively exercised.