中国保险业实现跨越式发展的实证研究

An Experiential Analysis on the Accelerated Development of China's Insurance Industry

根据经济跨越式发展理论特别是经济发展不平衡理论,实现跨越式发展需要在局部有条件地区或行业首先突破。中国保监会和深圳市政府在新的历史时期,站在政治的高度,从经济发展的角度,实施建设深圳保险创新试验区的重大举措,这是中国保险业落实科学发展观、实现又好又快发展,服务构建和谐社会的具体体现。深圳保险创新试验区的实践证明,中国保险业实现跨越式发展需要具备经济发展达到一定水平,政策环境长期稳定,各类资本积极进入,实施区域差异化保险监管,发达地区率先突破等相应条件。必须以产品创新为核心,强化保险的社会管理功能;以服务创新为核心,强化保险的经济补偿功能;以资金运用创新为核心,强化保险的资金融通功能。

The accelerated economic development theory, in particular, the uneven economic development theory requires that accelerated development should be achieved first in geographic regions or industries where prerequisite conditions are met. For the insurance industry to realize an accelerated development, China＇s economy should attain certain level of growth, the policy environment remains stable over a long period of time, various capitals are actively invested in the insurance sector, differentiated insurance regulation is applied at different regions, and well-development regions take off first. Measures that the insurance industry should take to realize the accelerated development are as follows： product innovation is at the core, the social management function of insurance should be promoted, the economic compensation function of the insurance industry should be achieved through service innovation, and the financing function of the industry should be achieved through capital innovation.