保险制度创新的承载者障碍及其突破

On the Obstacle of Insurance Institutional Innovation and Its Breakthrough

保险制度创新艰难的关键原因在于制度创新承载者障碍。保险制度创新的现实条件是中间结构的发展与下层结构谈判力量的上升、制度创新技术成本和政治成本的下降等。这种现实条件为保险存量主体成为制度创新的承载者提供了可能。现阶段和下一步的制度变迁过程将是一种特殊的 ,向需求诱致性制度变迁过渡的混合推动型制度创新模式。保险制度创新承载者障碍将由此获得突破。

The pivotal cause of difficulty in insurance institutional innovation lies in the obstacle of institution innovation prime mover. The current conditions for insurance institutional innovation is the development in mid-level structure and the rise of negotiation power in lower-level structure, the reduction of innovation cost and political cost. These conditions enable the current insurers to become the prime mover of institutional innovation. The transition from current stage to the next stage will be a special procedure from the mixed-promotion innovation to the demand-induced innovation, thus breakthrough the obstacle of insurance institutional innovation.