论发展保险业与缓解当前流动性过剩  

On developing insurance industry and alleviating the current excess liquidity

作　　者：翁小丹[1] 江悠悠[1] 李茂琴[1] 

机构地区：[1]上海对外贸易学院保险与风险管理研究所,上海200110

出　　处：《保险研究》2007年第12期24-26,共3页Insurance Studies

摘　　要：我国经济在持续快速发展中出现流动性过剩,国家采取了包括加息、发行特别国债在内的一系列宏观调控政策。但是这些方法也使我们面临较大的风险。在这种形势下,大力发展保险业对于消除流动性过剩的深层次原因——消费疲软,促进金融业的稳健发展,应对未来多种风险,进而对构建我国社会主义和谐社会具有多种功效。应通过立法进一步建立健全社会保障体系,确定与社会经济发展水平相适应的社会保障标准、项目和商业保险的经营地位、范围等,促使社会保险与商业保险两者协调发展,为构建和谐社会作出更大的贡献。Excess liquidity has appeared in China＇s economy during its rapid and continuous growth. The government has taken a series of macro-control polices such as interest rate hike and issuing special government bond. These measures, however, are also plunging us into even greater risks. In this situation, vehemently developing insurance industry is of multiple effects on removing the deep-level reason for excess liquidity-weak consumption, promoting steady development of the financial industry, meeting up various risks in the future and constructing a harmonious socialism society in China. We should further complete and improve on the social security system through legislation, locate a social security standard in sync with the current social and economic development level and scope and level of operation of commercial insurance industry for the purpose that social provision and commercial insurance will coordinate with each other in the construction of a harmonious socialism society.

关 键 词：流动性过剩 消费疲软 发展保险 稳健金融 和谐社会 

分 类 号：F842[经济管理—保险]