【作者】 安志梅；

【导师】 姜圣复；

【作者基本信息】 大连海事大学 ， 国际法学， 2002， 硕士

【摘要】 经过了长达15年的谈判，中国终于在2001年12月正式加入了世界贸易组织。自此，中国将在权利与义务平衡的基础上，在享受权利的同时，必须遵守世贸组织规则，履行自己的承诺。对于尚处于成长阶段的中国保险业来说，保险业的市场开放已是必然。面对保险市场的全面开放，越来越多外资保险公司的涌入，保险监管将面临着更大的压力。因为世贸组织规则的一个基本要求就是法治之下的有限政府，政府必须严格按照法律及规则行事。政府作用的发挥主要体现在创造有效率的市场环境上，这就要求法律法规必须透明，市场操作必须公开，监督管理必须公正，市场准入也必须平等。而这对于我国保险监管部门来说，则意味着要为保险企业创造一种公平的市场竞争环境和健全的法律环境。因此，我国入世后的保险监管的主要目标在于实现保险市场效益的最大化，这一目的要求我国保险监管部门要采取合理、有效的保险监管法律制度。 本文首先阐述了在国际保险服务中保险监管所应遵循的基本法律原则，然后介绍了各保险发达国家保险监管法制的先进经验，并分析了当前国际保险服务的发展趋势及其对我国的影响，通过对比找出我国目前保险监管中存在的有待完善之处，最后提出完善我国保险监管法律制度的法律建议。具体而言，可分为以下几方面：首先要借鉴国外先进经验，完善我国的保险监管法制：其一，建立以偿付能力为核心的保险监管法制；其二，完善对保险投资的法律监管；其三，建立保险业的信息披露制度；其四，充分发挥保险行业公会的行业自律作用。然后，在完善我国保险业监管法制的基础上，建立我国保险监管部门与国外保险监管当局间的信息共享制度及保险业与银行、证券等其他行业监管部门之间的跨行业的信息共享制度，以适应保险服务金融化的国际发展趋势，实现我国保险监管法制与国际接轨。更多还原

【Abstract】 After 15 years of negotiating, China finally joined WTO on Dec 2001. China must obey the rules of WTO and perform its promises on the base of the balance between rights and obligations while exercising its rights. To Chinese insurance industry, which is still in developing level, the opening of insurance market is inevitable. Facing the completed opening insurance market, more and more foreign insurance companies will enter into the market and insurance regulation will face up to more challenges. One requirement of WTO ’s rules is the "limited government" managed by law. The government must operate in according to the laws and regulations strictly. The government performs its function by creating effective market environment. In order to do so, the laws must be transparent and the market operation must be open and supervision must be equitable. To Chinese insurance supervision department, the major is to create a justice competitive market environment and a right legal environment for insurance enterprises. The purpose of China insurance supervision is to realize the maximum benefits of insurance market, which requires our insurance supervision department to adopt reasonable and effective insurance supervision law.The thesis expatiates firstly on the main principle, which should be abided by insurance regulation in international insurance services, and then analyzes how international insurance services will develop in the future, and its influence to Chinese insurance industry. Through the comparison, the points, which are to be consummated in our current insurance regulation, are found. Finally it brings forward the advices of perfectingour insurance regulation. In detail it includes some views as follows: first, to learn advanced foreign experiences as reference to perfect our insurance regulation; second, to perfect our insurance investment regulation; third, to create the insurance information disclosure system; fourth, to exert sufficiently the self-discipline system of insurance industry; finally basing on having perfected our insurance regulation, to create the information share system, which is not only between our insurance supervision department and foreign insurance supervision department, but also between insurance, banking and security industry, in order to adapt to financial development of international insurance service and conjoin our insurance regulation with the international rules.更多还原