14保险监管协调化和相互认可制度

14.1••••(ZampettiSauve,1995)14(HoraldD.Skipper,Jr.)14.2(21)14.31114.3.11.42342.14-1(bancassurance)ABBA14-123514••••••••••••••••()()()3.(regulatoryconvergence)()(dejureharmonization)(defactoharmonization)14.3.214.414.4.1(12)42361214-2(regulatoryarbitrage)(racetothebottom)()14-214.4.2(BasleAccord)Dermine,1996)23714•••SeeFletcher(1993),Player(1992),Schwabetal(1991).14.4.314.514.5.11.(FailedPromises,1990)()()4238Skipper(1993)2.()()3.(1112)(Cooke,1990)4.23914FarrellSoloner(1985)5.201993501)1319851985(12)14-31432)(Shelp,1981)6070(Shelp,1981)424019702070(Shelp,1981)3)(U.S.GeneralAccountingOffice)(1993)50()()14.5.21.241142.ABAAB()4242197519831988Cooke(1990)Dermine(1996)14.614-114-114-1()14-1/()ModifiedfromSkipper,19962431414.7204244