基于协调的保险市场与资本市场对接模式研究

Harmony Integration Models of the Insurance Market and Capital Market: An International Comparative Perspective

通过比较美、英、日、德四国的保险市场与资本市场对接模式,发现两市场的和谐对接是资金、产品和制度对接三方面的共融体,是金融市场自然演进与风险资本动态规制的最优范式结合。基于此,我国应在经济、金融微观制度变迁的基础上,适时选择适合我国国情的可操作性和持续性的保险市场与资本市场对接模式。

By comparing the integration models of the four western countries, i.e. , the US, UK, Japan and Germany, we find the harmonious integration of insurance market into the capital market is the blend of fund, product and system. It is also the optimal paradigm integration between natural evolution of financial market and the dynamic regulation of risk capital. Hence, China should timely select the operational and sustainable integration modes which are in line with the present situation of China on the basis of fundamental changes of economic, financial micro-system.