我国西部地区政府扶持型保险发展模式的探讨

Discussion on Government-supportive Insurance Developmental Pattern in Western China

西部地区保险市场主体数量少、保险发展水平低的发展现状及潜力巨大的未来发展趋势表明应对西部保险市场进行深度开发,但这需要实现西部保险市场从外生发展机制向内生发展机制的过渡与转换。在西部保险市场内生发展机制发挥主导作用条件极不完备的现实背景下,应确立政府扶持型保险发展模式,并通过资金支持和政策扶持增加保险市场主体、发挥地方政府的作用等措施来促进西部保险的进一步发展。

The present situation of small quantity of main market players and low development level, the future trend of great potential of westem insurance market indicate that the western insurance market needs to be further developed, which requires a transition and conversion from the exogenous developmental mechanism into an endogenous one. Since the endogenous developmental mechanism has yet to play the leading role but the playing conditions are imperfect in western area, a government-supportive insurance developmental pattern should be established to promote the western insurance through increasing insurance market players by financial and policy support and playing the local government＇ s role.