为适应“入世”新形势,包括保 险公司、监管部门等在内的 市场主体都必须进行改革,但更为关键的是监管部门的改革。 中国保监会在“入世”以后,需要调整和重新定位监管思路。首先,监管者的能力和精力是有限的,它不可能管好所有的事情。其次,监管是有成本的,因此,监管者也必须进行成本与收益的比较。再次,监管不当会导致效率的损失,由此减少社会福利。保险市场的理想境界 In order to meet the new situation of “accession to the WTO”, all market players, including insurance companies and regulatory agencies, must reform their markets, but the more crucial one is the reform of the regulatory authorities. After China’s accession to the WTO, the CIRC needs to adjust and reorient its regulatory thinking. First, the regulator’s ability and energy are limited, it can not manage everything. Second, regulation is costly, so regulators also have to compare costs with benefits. Third, improper regulation leads to loss of efficiency, thereby reducing social welfare. The ideal state of the insurance market