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信息披露作为IAIS核心监管原则和偿付能力监管三支柱框架的重要组成部分,对于提高保险信息透明度,保护保险消费者知情权,强化外部约束方面意义重大。目前我国已经初步建立起监管部门主导下、以保险公司强制披露信息为主、监管部门和行业协会选择披露为辅、涉及公司经营状况和行业合规发展等情况,较为完整的信息披露体系。但也仍然存在信息披露内容不标准、不规范以及信息使用效率不高和信息披露监管不够等问题,需要通过构建信息披露框架、搭建统一的信息披露平台,强化信息披露监督和消费者教育等,进一步完善信息披露制度,切实保护保险消费者知情权。
As an important part of the three pillars of IAIS’s core regulatory principles and solvency regulation, information disclosure is of great significance in improving transparency of insurance information, protecting consumers’ right to information and strengthening external constraints. At present, China has initially established a relatively complete information disclosure system under the supervision of the regulatory authorities, with compulsory disclosure of information by insurance companies, supplementation by regulators and industry associations, supplemented by disclosure, and related to the company’s operating conditions and industry compliance. However, there are still some problems such as non-standard information disclosure, non-standardization, inefficient use of information and inadequate supervision of information disclosure. Therefore, it is necessary to establish a unified information disclosure platform and strengthen information disclosure supervision and consumer education through the establishment of an information disclosure framework, Further improve the information disclosure system, and effectively protect the insurance consumer’s right to know.