《保险研究》20190302-《我国保险监管法规使用特征分析及效率评价》（肖宇谷、张俊岩、于嘉傲）

［摘   要］尽管我国在保险行业监管方面投入巨大,但随着市场竞争加剧,保险行业中各类违法行为仍时有发生,屡禁不止。为了更好的了解我国保险监管一些基本特征,了解保险监管的处罚效率,本文对2011~2017年我国公开的保险监管行政处罚决定书做了文本统计分析,给出了保险监管法规使用的一些基本情况。然后,本文又以查处及时性和重复违规率两个指标为基础,分析了保险监管对不同类型违法行为的监管效率。结果显示,违规行为涉及的具体法条有较大的不均衡性,查处及时性存在较为显著的时滞效应,行政处罚的重复违规率呈现下降趋势,监管效果在逐年改善,但虚列费用套取资金、提供虚假报告和虚构中介业务套取费用等问题依然严重,给予投保人回扣等变相价格竞争行为大幅增加。这些结果为提高我国保险监管效率提供了有意义的依据和参考。

［关键词］保险监管；监管效率；法规使用特征

［基金项目］本文得到2017年度中国人民大学科学研究基金项目“保险法学说与案例研究”(17XNQ001)支持。

［作者简介］肖宇谷,中国人民大学统计学院风险管理与精算教研室副教授，博士；张俊岩,法学博士,中国人民大学财政金融学院副教授；于嘉傲,美国哥伦比亚大学统计系硕士研究生。

An Analysis on the Characteristics of Use of Insurance Laws and Regulations and Regulatory Efficiency Evaluation in China

XIAO Yu-gu,ZHANG Jun-yan,YU Jia-ao

Abstract：With the intensification of insurance market competition,all kinds of illegal activities occur frequently although an immense input has been made to the supervision of the insurance market.In order to better understand the characteristics of China's insurance supervision and the regulatory efficiency,this paper analyzed public insurance supervision administrative penalty decision papers during 2011 to 2017,and made an overview of the use of insurance laws and regulations.Then,this paper analyzed the efficiency of insurance supervision on various types of illegal activities on the basis of two indicators,namely,the timeliness of supervision and the repeated violation rate.The results showed that the specific laws and regulations involved in the violation were unbalanced;there was a significant delay in timeliness of supervision;the repeated violation rate on the administrative penalty showed a declining trend and the effect of supervision was improved year by year;but the phenomenon of providing fictitious reports,false listing of expenditure and making up intermediary business were still common.Moreover,offering policy-holders rebates and other disguised price competition practices increased greatly.These results can provide a meaningful basis and reference for improving the efficiency of insurance supervision in China.

Key words：insurance supervision;regulatory efficiency;characteristics of use of laws and regulations