保险资源配置中的政府与市场

The government and market in the insurance resources allocation

政府与市场是经济学的一个核心命题。政府和市场都可能失灵,两者各有其发挥作用的领域。在分析我国保险资源配置时,应正确地看待政府与市场的作用及缺陷,在充分发挥市场在资源配置中的基础作用的前提下,确立政府修正保险市场失灵的政策目标取向,保障我国保险资源的优化配置及保险业的可持续发展。

The government and market are core subjects in economics. Both the government and the market may suffer a failure and each can play its role in their respective field. When analyzing allocation of insurance resources in China, we should accurately perceive the function and defects of both the government and the market. On the basis that the market fully plays its role in resources allocation, we then establish the policy direction of the government in remedying failure of the insurance market. Only in this way, can we ensure an optimized resources allocation in the insurance industry and its sustainable development.