摘要
随着保险业的迅速发展,投保人、被保险人在投保和理赔中的不诚信行为呈上升趋势,且危害巨大。这使得保险市场行为监管不能仅仅局限于传统意义上的对保险机构违规行为的监管,还应包括对保险欺诈的防范和惩治。保险市场行为监管中所涉及保险监管者、保险机构与投保人这三方的利益存在博弈关系。通过完善相关法律法规体系,加大对违规经营的保险机构和进行保险欺诈的投保人、被保险人的处罚力度,调整对保险机构市场行为监管的具体内容和措施,促进对监管者监管效果的评价和相关处罚制度的建设,完善保险公司风险评估机制,加强保险诚信宣传和社会监督等措施,提高市场行为监管的效率和质量。
With the rapid development of insurance market, the dishonest behavior of the insured and the insurer in buying insurance and making compensation is on the rise , causing great harm. It shows that only traditional regulation on the insurers and agencies is not sufficient, there should also be regulation of insurance fraud in place. A game relationship exists between supervisors, insurance sectors and policy-holders in the regulation on market conduct. Regulation efficiency can be improved greatly by improving the relevant legal system, strengthening punishment, adjusting the regulation content, enhancing the evaluation of the supervision effect and the enforcement of penalty system, promoting risk assessment and intensifying education activity and encouraging social regulation.
出处
《江西财经大学学报》
CSSCI
北大核心
2010年第2期48-52,共5页
Journal of Jiangxi University of Finance and Economics
关键词
保险市场
保险监管
保险欺诈
Insurance Market
Insurance regulation
Insurance fraud
作者简介
袁成，南京大学讲师，博士研究生，主要从事保险理论、保险法研究。
