转型期中国保险业发展中的地方政府行为分析

An Analysis of China's Local Government Behavior in the Development of Insurance Industry in Transition Period

中国渐进式市场化改革过程中地方政府角色和职能的转变,使其应成为当地保险业发展的主导力量。但中国保险发展实践中地方政府仅产生一定间接影响作用的行为特征阻碍了当地保险业发展。这主要源于"二重制度结构"下的政府供给主导型保险业发展模式及"总-分公司"的保险经营管理体制。因此,应成立地方性保险公司、给各地保险主体更多的经营自主权、逐步建立总-子公司的组织模式以充分发挥地方政府在保险业发展中的作用。

During the gradual market-oriented reform of Chinese economy,the local government has become the leading force in the development of local insurance industry because of the change in its role and function.However,in the practice of China＇s insurance development,the local government just has a certain indirect influence on the development of the insurance industry which has a serious handicap in insurance industry,which is mainly caused by the government-supply oriented mode of insurance development under a double-system structure and the management system of insurance under a company-branch structure.Therefore,we should build more local insurance companies,give local branches more management rights to develop and build a company-subsidiary mode so that the local government can play a full role in insurance development.