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摘要：十多年以来，保险业发展不断深入，取得了相当多可喜的成就，但是在保险发展过程中还是存在着市场无序、管理混乱，体制不健全等问题。为了更好的处理保险市场中存在的不足，必须采取相应措施来健全保险监管制度。本文就是根据我国保险监管制度现存的不足做出了相关分析，并借鉴国外保险监管的经验，给出了针对我国保险监管制度存在不足的有效分析和如何解决的相关意见，以此来帮助提升我国保险监管机构工作效率，改善保险监管的状况，最终有利于保险业的良好发展。为了更好的分析保险监管存在的问题和给出相应的对策。本文首先对保险监管进行了概述，了解保险监管的含义、目标及意义。之后简述我们保险监管的发展历程，明确保险监管发生的变化。再结合我国现阶段保险监管的发展状况，分析出存在的问题。在明确了问题之后，本文通过对国外先进保险监管做法的分析，得出对改进我国保险监管的启示。最后结合国内实际情况对我国保险监管提出了一些对策并进行了总结。31278
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毕业论文关键词：保险监管 监管模式 对策研究
Study on the problems and Countermeasures of the insurance supervision
Abstract:Since 10 years, the development of the insurance industry continued to deepen, many gratifying achievements have been made, but in the process of the development of insurance still exist market disorderly, chaotic management, system is not perfect and so on. In order to better handle the problems in the insurance market, we must take corresponding measures to perfect the system of insurance regulation. This article is according to the existing problems in China's insurance regulatory system made correlation analysis, and learn from the experience of foreign insurance supervision, are given for China's insurance regulatory system are lack of effective analysis and how to solve the relevant comments, in order to help improve China's insurance regulatory agencies work efficiency, improve the situation of insurance regulation eventually benefit the sound development of the insurance industry. In order to better analyze the Countermeasures of insurance regulatory issues and the corresponding. This paper first summarizes the understanding of the meaning and purpose of insurance supervision, insurance supervision, meaning. The development of our insurance supervision, insurance supervision has clear change. Combined with the current development of Chinese insurance regulation, analyzes the problem. After defining the problem. In this paper, the analysis of advanced foreign insurance supervision practice, draw on the improvement of China's insurance regulatory implications. Finally, combined with the actual situation of our insurance supervision and puts forward some countermeasures and summarized.
Key Words：Insurance regulation, Supervision mode, Study on Countermeasures
目录
一.保险监管概述 - 1 -
（一）保险监管的含义 - 1 -
（二）保险监管的目标 - 1 -
（三）保险监管的意义 - 2 -
二.我国保险监管的发展历程 - 3 -
（一）中国保险监管的萌芽时期(1949年至1979年) - 3 -
（二）中国保险监管的初步探索时期(1980 年至1994 年) - 3 -
（三）中国保险监管的逐渐形成时期(1995 年至1997 年) - 3 -
（四）中国保险监管规范化发展时期(1998年至2002年) - 4 -
（五）中国保险监管深入发展时期(2003年至今) - 4 -
三.我国保险监管存在的问题及原因分析 - 5 -
（一）我国保险监管理论研究薄弱 - 5 -