摘要
通过对建国以来我国保险制度结构的发展路径进行分析,可以发现我国保险制度的安排与其他国有金融制度一样,也是由中国特定的二重结构下的制度集合所内生的。从解放至今,我国保险业经历了巨大变化,商业保险曾在中国消失了20年。1979年以后,保险业又从无到有,经历了一个飞速发展的过程,年均增长率达34%,这也是绝无仅有的。这一切都可以从制度变迁理论中得到解释和证明。
The present paper, through an analysis of the development of insurance institution in China since 1949, intends to show that the arrangement of insurance institution, like that of other stateowned financial institutions, is generated by combined systems which are determined by China's particular dualstructure. Since its founding in 1949, China has witnessed a great change in its insurance industry. The commercial insurance, which had disappeared for 20 years and was reestablished in 1979, has undergone a surprising development with an annual growth rate of 34%, which is unique in the world. All these can be proved by the theory on institutional transition. From the entry of American International Assurance(AIA) into China in 1992 to the establishment of several shareholding insurance companies and foreignfunded ones in 1996, it can be seen that tens of foreign and domestic insurance companies competed against each other,with the pattern of insurance property becoming diversified very quickly within ten years and especially with more areas open to foreign companies. During this period the change of insurance institution was characterized by the continued expansion of the scale of stateowned property while the boundary of property began to shrink. The boundary has shrunk quicker after China's entry into the WTO. The fundamental causes are: (1) Since China's adoption of reform and openingup policy, the insurance institutions monopolized by the State have been gradually unable to meet the market need and the State's incomeandcost function has thus changed. That is why the State chose to open the domestic insurance market rationally, granting market access to several domestic insurance companies. (2) With the integration of world economy intensifying, external impact will be on our country after openingup. Both the formidable competitiveness of foreign insurance companies and the immense pressure confronting China after its entry into the WTO have caused the government to make planned conces
出处
《浙江大学学报（人文社会科学版）》
CSSCI
北大核心
2003年第1期152-159,共8页
Journal of Zhejiang University:Humanities and Social Sciences
关键词
保险制度
结构
变迁
insurance institution
structure
transition
