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为加强保险监管,防范保险风险,1998年11月18日,我国将保险监管职能从中国人民银行分离出来,由新成立的中国保险监督管理委员会全面、统一监管全国保险业。这一制度安排无疑有助於我国保险监管的科学化、规范化和高效化,推动我国保险业稳定、健康、快速发展。 但是,由於这一新的体制尚处於初创阶段,中国保监会的运作时间不长,政府监管仍未完全步入规范化轨道,保险行业自律
To strengthen insurance supervision and prevent insurance risks, on November 18, 1998, China separated its insurance regulatory functions from the People’s Bank of China, and the newly established China Insurance Regulatory Commission comprehensively and uniformly supervised the national insurance industry. This institutional arrangement will undoubtedly help our country’s insurance supervision to be more scientific, standardized and efficient, and promote the stable, healthy and rapid development of the insurance industry in our country. However, as this new system is still in its infancy, the CIRC has not been operating for a long time and the government regulation has not yet fully entered the standardization orbit, and the insurance industry self-regulation