制度变迁对中国保险产业发展的影响  

作　　者：曹志宏[1] 

机构地区：[1]中国人民大学,北京100872

出　　处：《保险研究》2008年第5期21-23,52,共4页Insurance Studies

摘　　要：新制度经济学的理论认为,制度通过提供一系列的规则界定人们的选择空间,约束人们之间的相互关系,从而减少了竞争中的不确定性和交易费用。自1980年中国重新开放保险业务以来,实践证明,在我国保险业从计划经济到市场经济的制度变迁过程中,保险业的开放性和市场化程度不断提高,市场绩效稳步增长,保险业的发展走上了自我强化的良性循环发展之路。这些成就的取得,无疑是我国保险业监管制度变迁的结果。The new system economics maintains that the system defines people＇s room of selection by laying down a series of rules. It restricts people＇s inter-relationship, and thus reduces uncertainty and trading costs in the process of competition. Ever since the insurance business was resumed in 1980s in China, practices have shown that the openness and market dominance of the insurance industry has been greatly enhanced when the insurance industry moved from a planned economy to a market economy. Meanwhile, the performance of the markets was steadily improving and the insurance industry has embarked on a virtuous cycle of development. These achievements are the results of the evolution of China＇ s insurance regulation system.

关 键 词：制度变迁 保险业发展 监管制度 

分 类 号：F840.32[经济管理—保险]