中国保险产业发展与演化的特征及趋势  

On the evolution of China′s insurance industry and the future trend

作　　者：蒲成毅[1] 王稳[1] 

机构地区：[1]对外经济贸易大学保险学院,北京100029

出　　处：《保险研究》2008年第11期23-33,共11页Insurance Studies

基　　金：中国博士后基金资助(资助号:20070411160)项目阶段性研究成果

摘　　要：尽管中国保险业仍存在着一些亟待解决的问题,但经过近30年快速而稳健的发展,已取得举世瞩目的成就。不仅具备了良好的产业体系框架,而且一个金融保险产业资源共享的业务融合性的"寡头主导,大中小共生"的寡头垄断竞争格局的开放大市场逐渐形成;不仅已成为金融体系的重要产业之一,而且在社会经济系统的和谐运转中起着不可缺少的"稳定器"作用。本文通过中国保险产业发展与演化的七大特征与趋势分析,以期为国家保险产业政策与公司经营战略的制定提供参考。Even though there are still some pressing issues today, the insurance industry has made eye-catching achievement after 30 years of fast and steady development. The industry has established a well-structured market framework. An open, competitive oligopoly market with ＂oligopoly dominance and coexistence of insurers of different sizes＂ is gradually taking shape. The situation of resources sharing between financial and insurance industries has been created. The insurance industry has not only become one of the important sectors in the financial system, it is also playing an inseparable ＂social stabilizer＂ role in the harmonious operation of the socio-economic system. The paper aimed to provide helpful thoughts for government decision-making on insurance industry policy and corporate development strategy by summarizing the 7 characteristics of the evolution of China＇s insurance industry and its development trend.

关 键 词：保险产业 发展与演化 特征与趋势 

分 类 号：F842[经济管理—保险]