制度变迁与中国保险业增长

Institutional Changes and Development of the Chinese Insurance Industry

制度变革是推动中国保险业高速发展的最直接原因。保障制度、企业制度、收入分配制度等的变革所释放出的保险需求为保险企业的产生和发展提供了市场前提和空间,保险主体的多元化、企业行为的市场化增加了保险供给能力,两方面的共同作用形成了我国保险业的持续快速增长。而保险监管的市场化、法制化则为保险企业提供了宽松的竞争环境,保证了保险业增长的稳定性和持续性。

Institutional changes are the most direct motive power in propelling the development of the Chinese insurance industry. It is the demand for insurance released from the changes of safeguard system enterprise system and income distribution system, etc. that creates the prerequisite and space for the coming-into-being and the development of the insurance industry and it is the diversification of insurance entities and the marketability of business behavior that strengthens the capacity of insurance supply, whose co-action gives impetus to the continuing and rapid sustainable development of our insurance industry. Meanwhile, the marketability and legalization of insurance supervision brings relaxed competition environment to the insurance industry.