按照建立社会主义市场经济体制的要求,我国的保险市场正在发育和完善之中。随着市场主体的增多和保险业务的快速发展,保险市场运作中出现了诸如:条款费率不一致,经营行为不规范,不公平竞争,偿付能力弱等问题,这说明我国对保险业监督管理已呈现出明显滞后的状况。《保险法》,把对商业保险业的监管问题提到了重 In accordance with the requirements of establishing a socialist market economic system, the insurance market in our country is being developed and perfected. With the increase of market players and the rapid development of insurance business, some problems appeared in the operation of insurance market such as inconsistent tariffs, irregular business practices, unfair competition and weak solvency. This shows that our country’s supervision and administration of insurance industry Showing a clear lag situation. The Insurance Law mentioned the issue of supervising the commercial insurance industry