保险管制

论保险管制的适度性

Appropriateness of Insurance Regulation

最重要的是，认清保险管制改革的背景及保险管制放松的动因。

What is most important is that we should recognize the background of insurance regulation reform and the motive of insurance regulation relaxation .

尽管保险管制放松趋势是主流，但是我们也不能盲目追随。

We , however , are not to follow suit blindly although the mainstream trend seems to be relaxation of regulation over insurance .

真正意义上的、适度的保险管制模式的形成是我国保险业不断走向成熟和理性的重要标志。

The forming of a practical and moderate insurance Regulation mode is a milestone on the way of our insurance industry toward being mature and rational .

确定我国保险管制的适度性，不仅关系到保险管制改革目标的设定，也影响到保险管制改革政策选择乃至保险市场的发展。

The application of the appropriate level of regulation not merely concerns the goal-setting and policy choice in our insurance regulation reform , but influences development of the insurance market .

中国保险业适度管制模式研究

Study on the Moderate Regulation Mode of Chinese Insurance Industry

不同国家在对保险业实施管制的实践中，形成了各自不同的保险管制模式，其中美国和日本的保险管制模式最具有代表性。

Different countries have established different insurance regulation modes during exercising regulation on insurance industry and the modes of America and Japan are the most typical among them .

最后，全民医疗的第三条途径就是依靠私营保险公司，采用管制与补贴相结合的方法确保人人得到医疗保健。

Finally , the third route to universal coverage relies on private insurance companies , using a combination of regulation and subsidies to ensure that everyone is covered .

为此，在从隐性存款担保制度向资本管制过渡的阶段，可以考虑现行存款保险制度和资本管制制度共存，待条件成熟时，实施完全的资本管制制度。

Thus , in the course of transforming from hindered deposit guarantee to capital control , it 's viable to consider the coexistence of the current deposit insurance system and capital control system so that complete capital control system can be put into practice when conditions are ripe .

就目前我国进行的费率管制改革而言，存在着保险费率市场化，保险费率自由化和放松保险费率管制等一些极易混淆的概念。

As far as the now performing reform of rate regulation is concerned , there exist a few confusing concepts such as the market-oriented reform of insurance rate , the liberalization of insurance rate and deregulation of insurance rate .

本文利用寡占理论对我国保险市场中的价格竞争进行了研究，解释了恶性价格竞争的成因，提出了我国保险公司的竞争策略和保险价格管制的重点。

Therefore , the author uses the oligopoly theory to analyze the price competition of Chinese insurance market in order to advance Chinese insurance companies how to avoid the bad price competition equilibrium and set the price of their product and advance the key points of price regulation policy .