2016~2019年论我国保险公司业务范围的立法缺陷与重构——以保险业供给侧结构性改革为基点

Abstract:China’s insurance law provisions have legal flaws that limit the scope of insurance companies’ ability to provide coverage. These flaws indicate that there is no strict distinction between the “scope of business of the insurance company” and the “scope of the insurance business”，no clear definition of the scope of the investment business and no legal provision that the insurance company can operate the non-insurance business. This has led to a detrimental effect on sustained，healthy and rapid development of the insurance industry. Starting with the supply-side structural reform of the insurance industry，this article analyzes the feasibility and positive significance of the reconstruction of the insurance business scope in order to maximize the advantages of the institutional dividend of the reform，and puts forward specific principles and legislative suggestions for a reconstruction of the insurance business scope stipulated in the insurance law.

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