美国保险理论研究综述:历史与现状

The review of American insurance theories:history and present

美国作为当前世界上最为发达的保险市场之一,在实务领域引领世界保险业发展的同时,也为各种保险理论思想的研究探索提供了一个交流的舞台,很多创新性的研究方法和研究模式均来自美国保险理论研究。本文从理论研究的观点整合和代表人物分析出发,将美国保险理论研究的发展过程概括为三个主要阶段进行叙述,然后从五个部分对美国保险理论研究的内容进行介绍,最后得出的主要结论是我国当前的保险理论研究要重视跨学科的定量研究,在重视对基础性理论进行长期持续研究的同时强调研究范式的转变。

As one of the most developed insurance markets,the United States not only leads the world＇s insurance industry development, but also leads the insurance theory research. It provides a good forum for exchange of ideas, and many innovative research methods and research models are from the U. S. Through the integration of various viewpoints and an introduction of representative personnel, the paper divided the U. S. insurance theory development into three main stages,and then elaborated on it from five parts. The paper arrived at the conclusion that China＇s current insurance theory research should emphasize on quantitative and interdisciplinary research, basic theory research,and long-term sustainability research.