Study On The Problem Of Improving China's Current Insurance Regulation Law System

The theory of insurance function gives modern insurance economic compensation, financing and three functions of social management, with the deepening of insurance functions gradually expand, the insurance industry deeply into every field of national economy, meanwhile, insurance regulation also with the development of the insurance industry. However, due to the insurance market, and started late slow development, our country's insurance regulation is in its early stages of development, about insurance of legal system for the supervision of theoretical research is still in the stage of exploration. Therefore, in the financial crisis era and insurance under the background of opening up in China insurance regulatory legal system theory and realistic problems in further research, reform and perfect our country insurance regulation legal system, is the theory of insurance regulation, but also deep calling the urgent demand of the actual development insurance industry. But this problem in China have not yet cause of academia, practice and lawmakers, the lack of enough attention in the research, comprehensively and deeply more yet form complete and mature theoretical system, especially from the perspective of lack of legal research systems. Based on this, the author hopes that by writing to derive trigger on how to advance our country insurance theory further discusses regulatory legal system construction and research.Undoubtedly, western developed countries in insurance industry has a clear comparative advantage, whether in practice or supervision areas have rich experience and lessons, formed a comparatively perfect insurance regulation theory and insurance supervision of legal system in China, the perfection of legal system for the supervision of insurance has an extremely important reference value and reference. However, the international financial crisis of western countries the impact of the insurance industry, also highlighted the them in insurance regulation of the problems and remind us in learning foreign theories and researches should notice at the same time, more with the real situation of the country, construct and perfect the insurance supervision with Chinese characteristics legal system. According to China insurance regulatory legal system how to further perfect problem, first from insurance regulation the basic theory, affirmation insurance supervision and puts forward the necessity and importance of implementing insurance effective supervision depends on comprehensive insurance regulation law system, in the study insurance regulation legal system, then the blackboard by comparative analysis of developed countries such as Japan the insurance of insurance regulation legal system, and strive to reveal hidden behind in common or differences inherent laws, for our country insurance supervision to the reform and perfection of the legal system of reference and enlightenment. Based on this, this paper analyses the current insurance regulatory legal system and its reason defects, and finally put forward consummates our country insurance of legal system for the supervision of suggestions.Based on the Angle of jurisprudence, legal, and economic combine both subjects for feasibility analysis, suggestions and measures to solve by theory and practice to the greatest extent, the novelty department to accept mainly reflects in first, topic has a new reality background. Our country "insurance law" in February 2009, was revised on our country's insurance regulation make some new regulations, the global insurance face integration trend and global have just experienced a financial crisis, the insurance industry is faced in its development with a brand new macro environment, in this context, the insurance supervision of our country legal system to system research, theoretically discusses further perfect our country insurance regulation law system belong to a brand-new topic. Second, proposed further perfect our country insurance regulatory system suggestions and measures. In this paper the basic theory of insurance supervision and our country insurance regulation law system based on existing problems, and puts forward the reform and perfect our country's insurance supervision of legal system to strengthen the point is the independence of insurance regulation authority, further enrich the regulatory power; To legally specified suitable for China's national conditions of insurance regulation goal and transparency of the regulatory process; To further improve the way of insurance regulation is scientific and modernization degree; To perfect our country insurance regulatory legal system for the development of insurance regulation, solid legal foundation, etc.In short, this article follows raise the questions, analyse the problems, solve the problem of the logic of thinking, the integrated use of historical analysis and comparative analysis, the legal system of insurance regulation of the basic theory and practice of insurance regulatory legislation to do the preliminary research and discusse to insurance regulation for the basic theory of research and legal system reform and improve the benefit.