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一、主要特点1.立法宗旨明确。《中华人民共和国保险法》(以下简称《保险法》)的各章各节和具体条文,都贯穿和体现了“规范保险活动,保护保险活动当事人的合法权益,加强对保险业的监督管理,促进保险事业的健康发展”这一立法宗旨。规范保险活动,就是要把保险纳入法制化的轨道,依法经营、依法管理,使我国的保险事业沿着法制化的轨道蓬勃地向前发展。保护保险活动当事人的合法权益,就是以法律的形式,将保险人与投保人、被保险人,以及受益人之间的权利义务关系固定下来,作为其行为准则,共同遵守,借以达到全面保障保险活动当事人各方合法权益的目的。加强对保险业的监督管理,就是通过法律,将国家金融监督管理部门与保险业务经营者之间的监督管理关系规范下来,借以保护被保险人的合法权益,促使保险业实现安全、稳健经营,保障我国保险事业和保险市场的健康发展。促进保险事业的健康发
First, the main features 1. Legislative purpose clear. The various sections and specific provisions of the “Insurance Law of the People’s Republic of China” (hereinafter referred to as the “Insurance Law”) all run through and reflect the principle of “regulating insurance activities, protecting the legitimate rights and interests of litigants of insurance activities, strengthening the supervision and administration of the insurance industry, and promoting The healthy development of insurance business ”This legislative purpose. To standardize insurance activities means that insurance should be incorporated into the legal system, operated according to law, and administered according to law, so that our insurance industry will flourish along the track of legalization. To protect the lawful rights and interests of the parties involved in the insurance activities is to fix the rights and obligations between the insurer and the policyholders, the insured and the beneficiaries in the form of law as their code of conduct and to abide by them so as to achieve full protection of the insurance The parties to the activities of the legitimate rights and interests of the purpose. To strengthen the supervision and administration of the insurance industry means to regulate the relationship between the supervision and management of the state financial supervision and administration department and the insurance business operators through laws to protect the legitimate rights and interests of the insured and promote the safe and steady operation of the insurance industry. Safeguard the healthy development of China’s insurance business and insurance market. Promoting the healthy development of insurance business