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偿付能力监管是各国监管改革的重点,也是全球监管关注的热点。国际金融危机的爆发,拉开了国际金融监管改革的序幕机推动监管制度更加完善,引发了人们关于市场与政府关系的热烈讨论和深入思考。具体到金融保险领域,国际社会反思讨论的核心问题是:政府是否对金融市场过于放任?政府应当如何对金融市场实施监管?这些问题不仅关系到对当下政策的评判,更关系到对未来模式的选择。从保险监管的角度看,存在如下需要反思的问题:第一,要思考政府与市场
Solvency regulation is the focus of regulatory reform in all countries and is also a hot spot of global regulatory concern. The outbreak of the international financial crisis opened the prelude to reform of the international financial regulatory system to promote a more complete regulatory regime and sparked heated discussions and deepened thinking on the relationship between the market and the government. Specifically in the field of finance and insurance, the core issue for the international community’s discussion of rethinking is whether the government lacks overly accountability in the financial markets and how the government regulates the financial markets. These issues are not only related to the assessment of the current policy, but also to the future model select. From the perspective of insurance regulation, there are some problems that need reflection: First, we must think about the government and the market