历史视角下相互保险发展路径研究  

A Study on Mutual Insurance Development Path from a Historical Perspective

作　　者：王凯[1,2] 谢志刚[1] 

机构地区：[1]上海财经大学金融学院,上海200433 [2]安徽农业大学理学院,安徽合肥230026

出　　处：《保险研究》2017年第7期53-63,共11页Insurance Studies

基　　金：2017年安徽省高等学校人文社会科学重点项目(SK2017A0148):相互保险发展机制及在中国的应用研究

摘　　要：本文梳理国内外相互保险发展历史,剖析其在各发展阶段的历史背景及其重要影响因素,探析相互保险的发展规律。研究发现,相互制与股份保险的发展进程几经起伏,交替增长,主要受制度环境的影响,其中,精算制度奠定了现代相互保险组织的基础,法律法规的完善是促进相互保险发展的第一要素。另一方面,现行以资本要求为核心的偿付能力监管制度不符合相互保险的组织特征和经营模式,发展我国相互保险业需要制度创新。This paper reviewed the development history of mutual insurance at home and abroad, analyzed the his- torical background and influencing factors at various stages of development, and explored the law of development for mutual insurance. The study found that the development paths of mutual insurance and joint-stock insurance both experienced ups and downs and ahemating growth, mainly due to the changes of institutional environment. Among them,the actuarial system has laid the foundation for modem mutual insurance orgariizations, and the enhancement of laws and regulations is the No. 1 factor to promote mutual insurance development. However, the organizational characteristics and business models of mutual insurance are incompatible with the current solvency supervision sys- tem focusing on capital requirements, therefore, the development of mutual insurance in China needs institutional in- novation.

关 键 词：相互保险 股份保险 历史视角 制度环境 

分 类 号：F842.9[经济管理—保险]