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目前保险监管理念的不足一方面重管制,轻监督。目前我国保险监管的重点放在条款费率审批、手续费标准管理上,而对关系到保险行业稳定的偿付能力、资产负债质量、再保险安排等,却缺乏监管力度。另一方面,没有充分重视保险消费者的利益。例如,保险市场价格与国际上比明显偏高;又如,在一个成熟的市
The current lack of insurance regulatory concepts on the one hand, heavy control, light supervision. At present, the focus of China’s insurance regulation is on the examination and approval of the rates and fees and the management of the fees and charges. However, there is a lack of supervision on the solvency, the quality of assets and liabilities, and the reinsurance arrangements that affect the insurance industry. On the other hand, there is not enough emphasis on the interests of insurance consumers. For example, insurance market prices are significantly higher than in the international market; for another example, in a mature market