论保险管制的适度性

在向市场经济转轨过程中，如何确定适度保险管制程度、选择适度管制模式，是我国保险管制改革的主要内容之一。虽然理论界对放松保险管制和加强保险监管已经形成共识，但对如何界定管制的适度规模始终未有定论。确定我国保险管制的适度性，不仅关系到保险管制改革目标的设定，也影响到保险管制改革政策选择乃至保险市场的发展。

In the transition to a market economy, how to choose the right level and the right model of regulation of the insurance industry is one of the main contents in our country＇s insurance regulation reform. Though in theory the consensus has already been reached that insurance regulation should be relaxed while insurance supervision strengthened, there isn＇t a final conclusion on how to choose the appropriate scope of insurance regulation. The application of the appropriate level of regulation not merely concerns the goal-setting and policy choice in our insurance regulation reform, but influences development of the insurance market.