About The Enhancement Of The Supervision And Administration To The Insurance Market At The Basic Level

It is the prominent question faced by regulatory authorities to enhance the supervision over basic insurance market. This essay analyses the fundamental problems in basic insurance market from angles of public policy, macroeconomics, and measure econometrics via comparison with quantitative and qualitative ways. The brief researches are also done theoretically and practically. Based on the supposition of steady regulatory system, the essay proposes four practical solutions, namely rules construction, social supervision, internal audit, and self-regulation of insurance markets. The innovation of this essay lies in three aspects: firstly to summarize the tough problems ignorant to the researchers before, which exists normally but is not found accurately by the regulators, and whose flaw will be made up through this research.; secondly to build the profit-cost mode based on the economics rules, and then find the essentials to improve the basic insurance supervision, using the data calculated by the mode; thirdly to compare the supervision powers between the banks, security and insurance market, and proposes different solutions against the situation of regulatory network spreading or unchanged.