中国保险制度变迁机理研究

A Study on the Mechanism of Insurance Institutional Evolution in China

在二元结构条件下 ,制度安排主要由国家依据国家效用函数来“创造”。渐进改革的金融支持需要决定了保险制度较长时期实行国有产权垄断 ,而社会经济条件的发展决定了我国保险制度由绝对垄断向多元变迁的必然性 。

Due to the existence of dualistic structure, China's insurance institution was 'created' by government according to the national utility function. The financial support needed by the gradual reform arrangement of the country means a requirement of long-term pure monopoly insurance market controlled by state owned companies. As the development of society and economy continues, it is necessary to promote a transfer of the market from pure monopoly to multi-pole structure through institutional arrangement, and to let the state ownership withdraw from the market gradually.