关于我国保险生态理论的几点思考

Several Thoughts on the Theory of Insurance Ecology in China

随着世界经济增长内涵的变迁,我国保险业在经历了改革开放30多年以来的快速成长之后,必然要承载新的时代挑战和发展压力。近年来行业矛盾日渐突出,繁荣背后的风险与困境也越来越受到业内外人士的关注。保险生态理论尝试从生态学的原理和角度剖析保险业的本质特征,探寻行业发展的自然规律,打开了保险研究的新视野,但目前鲜见成体系的的理论追溯和范式构建。通过对我国保险生态的理论根源和演进路径进行较为全面的梳理和探讨,揭示了生态经济学、可持续发展理论与保险生态理论的内在关联,并明确了保险生态理论的研究对象。

Along with the connotation of global economy changing,the insurance industry in China will inevitably bear a new developing challenge and pressure,after rapid growth in last more than 30 years since the reform and opening.In recent years the industrial contradictions become increasingly obvious,the risk and predicament behind flourish are also paid more and more attention by the people both in and out of the circle.The theory of insurance ecology is trying to analyze the essential characteristics of the insurance industry from the ecological angle of view,exploring its natural rule,so opening the new field of vision in insurance research.But now there is still few systematic researching findings about the theory origin tracing and pattern building.The paper is trying to comb and discuss the theoretical roots and evolving route about chinese insurance ecology,reveal the internal relation between the ecological economics,sustainable developing theory and insurance ecology theory,and finally explain its study objective.