| When elaborating on "improving the social security system" in the 20th Report of the Communist Party of China,it proposed to promote a multi-level and sustainable social security system,and the personal insurance market is an important part of the social security system.In April 2018,the China Banking and Insurance Regulatory Commission was officially established,and the new regulatory body and regulatory system have brought new regulatory changes to the life insurance market,which has a far-reaching impact on the construction of the domestic financial regulatory system.Under the background of the merger of China Banking and Insurance Regulatory Commission(CBRC),this paper studied relevant laws and regulations,applied literature analysis method and investigation research method,and took the Banking and Insurance Regulatory Bureau of R City as the research object from the perspective of government public management,and conducted an in-depth investigation on the market chaos and regulatory governance status quo of life insurance in R City.Based on the theory of government regulation and the theory of information asymmetry,this paper comprehensively applies public management and marketing to conduct relevant practical investigations,such as visiting various participants in the life insurance market for communication and understanding,collecting relevant data such as complaint cases and agent retention rate of life insurance companies in R City,and then looking into the chaos existing in the life insurance market in R City.And the cause of the problem is explored in detail.At the end of the paper,it is proposed to further clarify the responsibility positioning of supervision,strengthen the effective restriction of supervision on market chaos behavior,enrich the construction of grassroots supervision forces,and improve the diversity of supervision means to optimize the countermeasures and suggestions of R City Banking and Insurance Supervision Bureau for the management level of life insurance market chaos.This paper focuses on the chaos management of the personal insurance market segment carried out by the Banking and Insurance Regulatory Bureau of R City,improves and deepens the research of the grassroots banking and insurance regulatory department in the supervision of insurance company branches,and provides certain references and references for further strengthening the construction of the regulatory system,improving the effectiveness of grassroots supervision and protecting the rights and interests of consumers. |
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