Study On The Government Credit Problem Of China Insurance Regulatory Commission

With the continuous development of the economic and society, credit has become a indispensable factor in people’s life. In 2014, the state council promulgated China’s first specialized credit construction planning, that means the social credit system construction raise to unprecedented heights. Among them, the government credibility is a key link in the process of the social credit system construction, which is both the position and role of government in social decision, also is the current situation of government credit loss phenomenon is relatively serious decision. Existing government credit research mainly concentrated in the sovereign state or local government macro level, all government departments have been assuming no difference for the same type. In fact, not only there are different types of government departments, and they have very different motives, the concept of government credit can completely according to different standards and scope of functions of the government level to further subdivided again. Through sum up differentiation of government credit construction, the content and requirement can be more objective, neutral, deeply explain the government’s credibility. Therefore, this article selects insurance regulators this particular study on the government credit construction government departments.Surrounding the challenges of the government credit insurance regulatory department, this paper USES theoretical analysis, comparative analysis and empirical research method of combining the were studied. By defining the connotation of the government credit insurance regulatory department, clear government credit insurance supervision department should include decisions be particular about integrity, administrative duties, to gain public trust three links, and points out that the insurance regulatory departments of government credit in terms of subject, object, content of particularity. Comb through to the insurance company in writing research, insurance regulatory department of the government credit problems, the key to effective prevent industry risks, scientific policy stability, lack of continuity, impotence, law enforcement is lax selective law enforcement three prominent problems are analyzed, and clear the connotation, manifestation and harm of the problem. To solve these problems, the article discusses from two aspects:one is genetic research. Entrust-agent theory, public interest theory, a comprehensive analysis of insurance supervision department of the government credit, excavate the lack of government credit insurance regulation department. Second, the comparative study. Article to introduce British and American national government credit system construction, especially the successful experience of construction of government credit insurance regulatory department, then conclude refining to our country insurance regulatory department of the government credit construction has typical significance, contrast that Chinese insurance supervision department attaches great importance to the degree of government credit construction is insufficient, lack of effective measures. Through the above two aspects of the study, concludes that our country insurance regulatory departments need the conclusion of a comprehensive system to strengthen the construction of government credit.On this basis, the opinions of the targeted Suggestions are given. Closely related to the particularity of insurance supervision department of government credit, and integrated the actual situation of the insurance regulatory business from alignment with regulatory orientation, strengthen the team construction, smooth communication channel three angles expounded how to promote insurance regulatory government credit ability, improve government credit insurance regulation department. In this paper, the research results help to enrich the construction of government credit research Angle, speed up the construction of government credit in our country and even the social credit system construction; Helps to strengthen the construction of government credit insurance regulatory department, and then improve the credit insurance market in China, enhance the level of insurance regulation in our country, promote the steady and healthy development of insurance industry.