The second part introduces the common sense content of insurance supervision in detail. This paper summarizes it into three parts to understand. First of all, market access supervision includes the examination and approval of insurance companies and their branches, the establishment of institutions, the management of organizational forms, and the requirements for capital, deposits and employees. Secondly, it is the supervision of insurance company's business activities, the supervision of insurance company's business scope, business area, insurance contract terms, rates, capital utilization, company's financial situation and solvency. Finally, the supervision of market withdrawal, including the "rescue" policy implemented by the government to avoid the bankruptcy of insurance companies and protect the legitimate rights and interests of the insured, and the provisions on the dissolution and liquidation of insurance companies when necessary.
The third part is also the core content of this paper. Through the basic knowledge and understanding of insurance supervision in the first two chapters, as well as the comparison with foreign insurance supervision, combined with the problems existing in China's insurance market at present, the disadvantages of insurance supervision at the present stage are pointed out, pointing out that the insurance supervision mechanism is imperfect, the insurance supervision legislation is lagging behind, and the insurance supervision methods and measures are backward.
In view of the problems existing in the above-mentioned supervision, this paper discusses in detail how to improve and strengthen China's insurance supervision (which is the core content of this paper), puts forward a strict supervision model with solvency as the core and equal emphasis on market behavior, and gives the following corresponding measures and suggestions.
First, strengthening the solvency supervision of insurance companies is the core of improving insurance supervision. Solvency supervision has always been the core of insurance supervision all over the world, and it is also the key to prevent financial risks of insurance companies. At present, with the frequent occurrence of global financial risks, it is of more practical significance to strengthen the solvency supervision of the insurance industry and prevent and resolve the financial risks of insurance companies. Especially through the case of 9. 1 1 in the United States, the significance of solvency supervision is demonstrated.
Second, strengthen risk management, establish a risk early warning system, and improve the market access and exit mechanism. This is actually a kind of perfection and supplement to strengthen the solvency supervision of insurance companies. The warning of the 9. 1 1 incident in the United States and the blackout accident in the United States and Canada made people realize the importance of solvency and risk management. Furthermore, it is proposed to establish a risk early warning system, implement the solvency risk dispersion and risk management of insurance companies, and pay attention to strengthening and improving the market access and exit mechanism from the source.
Three, strengthen the cooperation mechanism of insurance supervision, and gradually improve the insurance supervision mode and business scope. It mainly involves securities, banking and other financial industries, and points out that with the continuous improvement of China's economic level and the continuous development and maturity of the insurance industry, it is impossible for the insurance industry to operate and develop independently from other financial industries, and the cooperation between them will become closer and closer. Financial supervision tends to be relaxed, and the cooperation of financial institutions has gradually developed from the capital and business level to the strategic level, which urgently requires the insurance industry to change its supervision mode and business scope.
Fourth, give consideration to and improve the supervision of market behavior. Many problems existing in the current insurance market in China are, in the final analysis, honesty. Therefore, from the perspective of honesty, this paper analyzes the problems from three aspects: the integrity of the insurance subject, the integrity of the system and the integrity of supervision, and puts forward the construction of China's insurance integrity system.
Five, improve and perfect the legal supervision system. Starting from the significance of legal environment to insurance supervision, it is pointed out that the dual establishment of insurance legal system and insurance legal supervision system is a complete legal supervision system.