大陸新《保險法》解讀與評析

　　大陸新《保險法》自二○○三年一月一日起實施，修改後的《保險法》由原來的八章一百五十二條修改為八章一百五十八條，對如下內容進行了大幅度修改：保險條款、費率制度變革，允許財產保險公司進入「第三領域」，健全償付能力監管制度，拓展保險資金運用渠道，強化保險公司對代理人的管理責任，加強保險職業道德教育和增強保險監管調控手段以及加大對保險違法行為的懲治等。隨著新《保險法》的實施，使加入WTO的大陸保險業儘快與國際保險規則接軌。

關鍵字：大陸新保險法、解讀、評析

Review and Analysis of the New Insurance Law in Mainland China
Abstract
The new insurance law of Mainland China came into effect January 1, 2003. The revision increased the number of articles from 152 to 158, and the changes are considerable, encompassing insurance regulations, reform of the premium rate system, admission of property insurance into 「the third area,」 the system of credit inspection, broadened channels of capital flow, consolidation of managerial responsibility of insurance companies over the insured, promotion of ethics education in the insurance industry, endorsement of close industry supervision, and extended penalties for illegal activities. Operation of the new law may rapidly facilitate a bridge to the international insurance industry.

Keywords: Mainland China, insurance law