改革开放三十年中国保险制度的变迁与创新——基于制度经济学的视角和分析

The evolution and innovation of China's insurance system over the past three decades——from the perspective of system economics

伴随中国改革开放三十年的实践,保险业经历了从逐步恢复到快速发展的转变,其间既取得了有目共睹的成就,又存在值得总结的经验和不足。为此,本文立足中国保险业改革发展的现实,以制度经济学的理论为分析工具,试图对三十年来中国保险制度变迁背景、阶段、特征、成就与经验等若干问题进行分析,以期通过理论洞察来为中国特色的保险制度的建设与发展提出一些有益的建议。

China＇ s insurance industry has undergone tremendous changes in the last three decades since China＇ s adoption of the reform and open up policy. It experienced partial resumption of operation to rapid growth in this period of time. While be heartened by the impressive achievements, there are also experiences and shortage to reflect back on. This article was casted in the development history of the insurance industry in the last 30 years and tried to analyze many issues concerning policy evolution background, stages of development, features of development, and achievements and experiences with system economics as a tool. Its purpose was to make constructive suggestions on the construction and development of China＇ s insurance system with its own unique characteristics.