银监会保监会合并对保险业的影响探究内容提要：随着我国经济的飞速发展，我国金融行业是否稳健运行已然愈来愈成为举世关注的热点问题，而为了应对我国金融行业发展中出现的问题，在十三届全国人大一次会议审议中决定将银监会和保监会进行合并，组建中国银行业监督委员会。而此次将一行三会变为一行两会的改革对于保险业也有着重大的影响，从此将对保险市场的监管更为严格，使得保险市场更加规范、透明，一定程度上使消费者对保险行业的顾虑打消，使得中国金融市场得到合理监管与健康发展，因而本文对该问题进行探究。文章主要分为四大部分，其一为保险监管发展历程，其二为银保合并概况，其三为分析银保合并的具体影响，其四则分析在该种影响之下保险业发展的措施。以期促进我国保险业的进一步发展。关键词：银监会；保监会；银保合并；保险业Abstract：WiththerapiddevelopmentofChina'seconomy,whetherChina'sfinancialindustryisoperatingsteadilyhasbecomeahotissueofconcerntotheworld.InordertocopewiththeproblemsarisinginthedevelopmentofChina'sfinancialindustry,theCBRCdecidedtoreviewtheCBRCinameetingofthe13thNationalPeople'sCongress.ConsolidatedwiththeChinaInsuranceRegulatoryCommissiontoformtheChinaBankingRegulatoryCommission.Thereformthatwillturnthelineofthreemeetingsintoatwo-partymeetingwillalsohaveamajorimpactontheinsuranceindustry.Fromthenon,theinsurancemarketwillbemorestrictlyregulated,makingtheinsurancemarketmorestandardizedandtransparent,andtoacertainextent,consumerswillbeintheinsuranceindustry.Theconcernshavebeendispelled,whichhasenabledChina'sfinancialmarkettobeproperlyregulatedandhealthy.Therefore,thispaperexploresthisissue.Thearticleismainlydividedintofourparts,oneisthedevelopmenthistoryofinsurancesupervision,theotheristhemergerofsilverinsurance,thethirdistoanalyzethespecificimpactofthemergerofsilverinsurance,andthefourthistoanalyzethemeasuresofinsurancedevelopmentundertheinfluenceofthiskind.WithaviewtopromotingthefurtherdevelopmentofChina'sinsuranceindustry.Keywords:ChinaBankingRegulatoryCommission;ChinaInsuranceRegulatoryCommission;mergerofsilverinsurance;insuranceindustry目录前言.........................................................................................................................................................................1一、保险监管的发展历程......................................................................................................................................1（一）拓荒时期的混业监管..........................................................................................................................1（二）危机促生的分业监管..........................................................................................................................1（三）金融自由化时代下的监管..................................................................................................................2（四）混业监管..............................................................................................................................................2二、银监会保监会合并概况..................................................................................................................................3（一）银保合并背景......................................................................................................................................3（二）银保合并的原因..............................................................................................................................
