摘要
本文从制度变迁的视角分析中国保险业的发展历程 ,认为二元经济型的国家占据优势地位 ,理性的国家为追求效用最大化而推动保险制度变迁。当国家垄断性保险安排逐步退让 ,其他产权形式的谈判能力达到一定程度以后 ,保险制度安排就成为各种产权形态博弈的均衡解。保险业的进一步发展 ,既存在保险上层结构比较落后、保险企业的个体效用函数受制于国家效用函数的制度约束 ,同时也存在西部开发中的经济市场化。
The paper performs researches on the evolution of China insurance system from 1949 to 1999 and forecasts the future of this industry within the frame of New Institutional Economics.The government,which is subject to the State Utility Function,plays an improtant role in the evolution of China insurance system.The insurance arrangements monopolized by the central government dominates before 1979,thereafter,with the Reforming and Opening Up Policy,the government retreats gradually from the ownership of the insurance institutions.The given insurance arrangement is the equilibrium of the game which the different kinds of owners take part in.
出处
《金融研究》
CSSCI
北大核心
2000年第6期97-107,共11页
Journal of Financial Research
关键词
制度变迁
垄断性保险安排
保险抑制
保险业
中国
Insurance,Institutional Changes,State Utility Function,Monopolizing Insurance Arrangement,Insurance Restraint
