[20040428]RS21828_保险监管：国际发展情况.pdf

1 CRS Report RL30514, Global Capital Market Integration: Implications for U.S. EconomicPerformance, by (name redacted).2 Ibid.; CRS Report RL32354, European Union United States: Financial Services ActionPlans Regulatory Reform Issues, by (name redacted).Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21828April 28, 2004Insurance Regulation: International Developmentsname redactedInsurance ConsultantGovernment and Finance DivisionSummaryEvents and entities outside the United States are affecting or may affect thecompetitive position of U.S. insurers, in two ways. First, supranational organizationsare developing international standards for insurance accounting and for aspects ofsupervision, such as reinsurance supervision. Second, U.S. insurers are operating undera much more fragmented regulatory regime than their competitors in other countries,such as the U.K., that are consolidating and modernizing their supervision. Internationalstandards and regulatory competition are important parameters on the U.S. industrysaccess to capital and therefore on its ability to provide innovative and traditional riskfinancing in t