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当前,保险业发展和监管进入了新时期,外部环境、行业发展和监管自身都发生了深刻变化。新形势下,如何优化保险监管机关自身组织结构问题值得探讨。机构监管与功能监管保险监管机关组织结构优化的首要问题看似保监会机关内设部门问题,实质上是对保险机构实行以机构监管或功能监管为主还是两者有机结合的问题。一、当前实行机构监管功能监管简单并行模式1998年保险监管部门成立之初,一般着重强调按产、寿、中介三类机
At present, the development and supervision of the insurance industry have entered a new era. There have been profound changes in the external environment, industry development and regulation. Under the new situation, it is worth discussing how to optimize the organizational structure of insurance regulatory authorities. Institutional Supervision and Functional Supervision The primary problem of the structural optimization of the insurance regulatory authority seems to be that there are some departmental problems within the CIRC. In essence, it is the question of whether the insurance agency should be supervised mainly by the institutional or functional supervision or both. First, the current implementation of regulatory agencies supervisory function simple parallel mode In 1998 when the insurance regulatory department was established, the general emphasis on production, life, intermediary three types of machines