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保险经营,在西方国家被认为是一种商业行为。但是,纵观美、英、日等实行“自由经济”的西方国家对保险发展的态度,无一不对保险业实行严格的监管,其根本原因在于保险经营的独特对象——风险。随着中国保险业的发展,多元化保险市场日渐形成,保险监管将越来越重要。“二战”以来,美国的保险市场、再保险市场一直雄居世界第一,这与其严格、科学的保险监
Insurance business is considered a commercial activity in Western countries. However, all the western countries that implement the “free economy”, such as the United States, Britain and Japan, are closely monitoring the development of insurance industry because of their attitude toward insurance development. The fundamental reason for this is that the unique object of insurance management is risk. With the development of China’s insurance industry, diversified insurance market is gradually formed, and insurance supervision will become more and more important. Since the “World War II”, the U.S. insurance market and the reinsurance market have been the largest in the world, in line with its strict and scientific insurance