为有效治理我国保险市场乱象、妥善保护保险消费者合法权益，我国应当在保险法中确立透明性原则，并对其法律实现机制予以系统性建构和完善，以从微观的保险合同法层面提升保险交易的透明性，从宏观的保险监管法层面提升保险市场的透明性，更好地发挥保险法的社会功能。保险法上的透明性原则以内部信息的披露及披露信息的清晰可理解为核心要义，具有天然的目的价值和促进私法自治、保障知情权、保护消费者及投保群体利益、提升经济效率与促进市场自律之工具价值。其贯穿于我国保险法的规范脉络并符合保险法的价值安排，具备法律原则的基本特征，且相较于诚实信用原则更具独特性与优势性。其在保险法上的实现机制可类型化为：囊括实现保险交易标的透明和保险交易过程透明的保险合同法层面的透明性实现机制；囊括实现保险业透明和保险监管机构透明的保险监管法层面的透明性实现机制。但我国保险法上现行的实现机制还存在宏观制度体系尚未确立、微观规则设计有欠圆满之不足，有必要依循透明性原则之多向度透明的理念和信息清晰可理解的内核予以弥补。保险交易标的的透明性实现机制在体系上应包含保险合同条款的文本透明性规则、解释规则和内容控制规则。以实现条款的清晰可理解为目的，我国保险法应当明文确立保险合同条款的文本透明性规则并明确其民法上违反后果导向对条款的解释和内容控制，应当进一步明确保险合同条款解释中通常解释和不利解释的适用逻辑和具体方法，应当以“利益衡量”为总纲，适用三阶层的保险合同条款内容控制标准体系。保险交易过程的透明性实现机制包括保险人对投保方的信息义务和保险中介对投保方的信息义务。前者在体系上应包括格式条款说明义务、适当性义务和理赔信息提供义务。以实现保险交易信息的清晰可理解为标准，我国保险法应当修正和优化现行格式条款说明义务的相关规定，明文确立保险人适当性义务并细化相关规定，同时明确理赔信息提供义务的具体内容和违反后果。后者在体系上应包括保险代理人的信息义务和保险经纪人的信息义务，我国保险法须在透明性原则的根本要求下对两者的具体内容和法律后果作出系统构建。保险业和保险监管机构的透明性实现机制，作用在于实现宏观的保险市场的透明性。两者分别涵括保险公司对保险监管机构的报告义务和对公众的披露义务，以及保险监管机构的信息公开和法规透明。针对现有监管法规，我国应系统整合其规范体系、优化滞后规则、健全配套保障机制，以更高效地实现保险公司和保险监管机

In order to effectively control the chaotic phenomena in China's insurance market and properly protect the legitimate rights and interests of insurance consumers, China should establish the principle of transparency in the insurance law and systematically construct and improve its legal realization mechanism, so as to enhance the transparency of insurance transactions at the level of micro insurance contract law, and to enhance the transparency of the insurance market at the level of macro insurance supervision law, and to better bring into full play the social function of the insurance law. The principle of transparency in insurance law takes the disclosure of internal information and the clarity and comprehensibility of the disclosed information as the core meaning, which has the inherent value of purpose and the instrumental value of promoting private autonomy, guaranteeing the right to know, protecting the interests of consumers and the insured groups, enhancing the economic efficiency and promoting the self-discipline of the market. It runs through the normative vein of China's insurance law and is in line with the insurance law’s value arrangement, has the basic characteristics of legal principles, and is more unique and advantageous than the principle of good faith. Its realization mechanisms in insurance law can be typified as: the transparency realization mechanisms at the level of insurance contract law, which encompass the realization of transparency of the object of insurance transactions and transparency of the course of insurance transactions; and the transparency realization mechanisms at the level of insurance regulatory law, which encompass the realization of transparency of the insurance industry and transparency of the insurance regulator. However, the existing mechanisms in China's insurance law are still deficient in that the macro system have not yet been established and the micro rules are not satisfactorily designed, so it is necessary to make up for it in accordance with the spirit and normative requirements of the principle of transparency.Mechanisms for realizing transparency of the object of insurance transactions should systematically include the rules on textual transparency, interpretation and content control of insurance contract terms. In order to achieve the purpose of clear and comprehensible terms, China's insurance law should explicitly establish the text transparency rules of insurance contract terms and make clear its civil law consequences of violation oriented to the interpretation and content control of the terms, should further clarify the logic and specific methods of applying the usual interpretation and the contra proferentem interpretation in the interpretation of the insurance contract terms, and should apply a three-tiered system of criteria for controlling the content of insurance contract terms, with “weighing of interests” as the general guidance.Mechanisms for realizing transparency of the course of insurance transactions include the insurer's information obligations to the insured party and the insurance intermediary's information obligations to the insured party. The former should systematically include the obligation to explain format terms, the obligation of suitability and the obligation to provide information on claims. In order to achieve clear and comprehensible information in insurance transactions, China's insurance law should amend and optimize the existing relevant provisions of the obligation to explain the format terms, explicitly establish the obligation of suitability of the insurer and refine its relevant provisions, and at the same time, clarify the specific content of the obligation to provide information on claims and the consequences of violating the obligation. The latter should systematically include the information obligations of insurance agents and insurance brokers, and China's insurance law must systematically construct both under the guidance of the principle of transparency.Mechanisms for realizing transparency of the insurance industry and the insurance regulator serve to achieve transparency of the macro insurance market. They respectively include the insurer’s reporting obligations to the insurance regulator and disclosure obligations to the public, as well as the insurance regulator's information disclosure and regulation transparency. China should systematically integrate existing regulations, optimize lagging rules, and improve supporting safeguard mechanisms, so as to more efficiently realize the transparency and openness of insurance institutions and insurance regulators.