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基于中国银行保险的特殊性和中国银行保险目前的发展状况,实施监管干预具有合理性和必要性。监管干预的实质是利用监管的力量形成保险公司的策略联盟,以集体的力量改善保险公司在银行保险博弈中的劣势地位,促进中国银行保险市场的公平与效率。监管干预可以改善保险公司的地位,促进公平秩序形成;促进银行保险的合作创新,提高效率;促进保险公司内部管理的进一步优化,提高竞争力。监管干预的主要风险有:监管机构自身松懈干预策略的力度;银保市场会出现暂时性回落的风险;小型的、特别是新的保险公司的经营可能会变得更加困难。为此,监管者要坚持不懈地强化干预策略的力度;对具体的干预措施不断评估和优化,以适应我国银行保险的发展趋势,兼顾中小保险公司的发展需要。
Based on the particularity of Bank of China insurance and the current development of Bank of China insurance, it is reasonable and necessary to implement regulatory intervention. The essence of regulatory intervention is the use of regulatory power to form a strategic alliance of insurance companies to collectively improve the inferior position of insurance companies in the banking insurance game and promote the fairness and efficiency of the insurance market of Bank of China. Regulatory intervention can improve the status of insurance companies and promote the formation of a fair order; promote cooperative innovation of bank insurance to improve efficiency; promote further optimization of insurance companies’ internal management and enhance competitiveness. The main risks of regulatory intervention are: regulators’ own relaxation of the intervention strategy; the risk of a temporary downturn in the banking and insurance market; and the management of small, especially new insurance companies, can become more difficult. To this end, regulators should unswervingly strengthen the intensity of intervention strategies; continuous assessment of specific interventions and optimization in order to adapt to the development trend of China’s bank insurance, taking into account the development needs of small and medium insurance companies.