中国保险市场结构与政府监管的均衡性研究

A Study on the Equilibrium between Government Supervision and Composition of China Insurance Market

中国保险市场结构正在经历着从强垄断向弱垄断的市场结构变迁 ,尽管这种变迁还远没有完成 ,但也需要保险监管机构随时调整管制结构 ,以避免可能出现的市场结构与政府管制的失衡———管制错位现象。虽然这种调整有时显得滞后 ,但出于利益的驱动和政府对社会福利的追求 ,中国将最终会实现保险市场结构与政府监管的匹配与均衡。

The composition of insurance market in China is undergoing a change from powerful monopoly to weak one. Although the change has a long way to go, the institutions for insurance supervision still need to adjust their control structure synchronically, avoiding the latent imbalance between market composition and government supervision-management malposition. Even though it is a lagging adjustment, China will eternally realize the equilibrium between government supervision and composition of insurance market, under the drives of interest and social welfare by government.