我国保险业发展尚处在起步阶段 ,市场化程度不是很高 ,我们面临的主要问题不是“市场失灵”而是“政府失灵”。在这种情况下 ,保险监管机构应当树立谨慎干预的保险监管新理念。谨慎干预的特征一、保险监管地位的辅助性。保险监管只有在市场失灵的时候才能进行干预 ,如果某一冲 The development of China’s insurance industry is still in its infancy. The degree of marketization is not very high. The main problem we face is not “market failure” but “government failure.” Under such circumstances, the insurance regulatory agency should establish a new concept of cautious intervention in insurance regulation. Characteristics of cautious intervention First, the insurance regulatory status of the auxiliary. Insurance regulation can intervene only if there is a market failure, if some one