银监会保监会合并对保险业的影响探究内容提要：现如今，我国经济已然进入了一种快速发展的时期，我国金融行业能够实现稳健运转，这也得到了越辣越多人的关注。为了能够更好的将我国金融行业发展中出现的问题处理好，在我国的十三届全国人大一次会议当中还专门将银监会和保监会这二者予以合并，组从而构建起中国银行业监督委员会。这一种改革工作完成之后，其也会对保险业产生巨大的影响，整个保险市场也会趋向于更加规范、透明，我国金融市场的发展也会越来越好。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：Nowadays,China'seconomyhasenteredaperiodofrapiddevelopment,andChina'sfinancialindustrycanachievesteadyoperation,whichhasalsoattractedmoreandmorepeople'sattention.InordertobetterhandletheproblemsarisinginthedevelopmentofChina'sfinancialindustry,theChinaBankingRegulatoryCommissionwasformedbycombiningtheChinaBankingRegulatoryCommissionandtheChinaInsuranceRegulatoryCommissioninameetingofthe13thNationalPeople'sCongress.Afterthiskindofreformworkiscompleted,itwillalsohaveahugeimpactontheinsuranceindustry.Theentireinsurancemarketwilltendtobemorestandardizedandtransparent,andthedevelopmentofChina'sfinancialmarketwillbebetterandbetter.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..................................................................................................................................3（三）银保合并的意义..................................................................................................................................4三、银保监合并对保险业的影响.......................
