中国与欧洲保险配制性效益与适应性效益比较

欧洲以海上贸易为契机，在市场自发秩序中产生保险业，并使其与经济水平、金融制度、社会风气相互适应，不仅在短期经济增长中实现了配制性效益，而且由此生发出促进长期经济增长的适应性效益。而中国是在近代化过程中移植西方制度实现了保险业的配制性效益，但是却难以与经济、文化、市场产生亲和力，在发挥适应性效益方面产生了困难。这种保险发展的中西差异成为了影响双方近现代金融发展的因素之一。

The insurance industry originated from the development of marine trade and it was a natural product of the evolution of the market in Europe. The industry was in accord with the level of economic development, the financial system and the social style there. It not only realized its coordinating benefits from a short period of economic growth, but also gave rise to adaptive benefits that promoted long-term economic growth in return. In contrast, China realized the coordinating benefit of this industry in the process of introducing the insurance system from the West in the modernization process. However, it was difficult for the industry to mingle well with the economic, cultural and market system, not to say to have adaptive benefits. This difference is one of the factors that influenced the development track of modern financial industry in China and in Western countries.