中国非寿险业发展的路径依赖问题研究

中国非寿险业已经走过了20多年的改革发展历程,虽然从规模上得到了长足的发展,却并未取得预期的经济绩效,而是陷入了大面积亏损的"闭锁"状态。为此,本文结合中国本土实际,运用有关制度变迁理论的重要思想方法,从经济学角度对中国非寿险业发展的路径依赖问题提供了理论解释,并提出了相应的政策建议。从长期、动态的观点来看,中国非寿险业发展要摆脱低效率的"闭锁"状态,应该由监管部门对发展中的利益进行协调,引入内部规则和外部规则,引导非寿险公司通过平等、有序、动态的市场博弈进入一种新的发展路径,从而实现对目前发展路径的替代。

Research on the Path Dependence of Non-life Insurance Industry Development

China non-life insurance industry has undergone more than 20 years of reform and development.During the period,it has achieved a substantial development in the scale,but didn't gain the expected economic interests.in consequence it fall into a lock-in state of loss.The profits of most companies are little or worse.Considering the current situation in China,the paper provides a reasonable explanation for the path dependence of Chinese non-life insurance industry from economic view with the relevant regime transition theories,and proposes relevant recommendation.From the longterm and dynamic development and for China non-life insurance industry to get out of the low efficient lock-in state,the regulators should coordinate the benefits during the development by introducing internal and external rules,guiding the non-life insurance companies to enter a new development path through equal,orderly and dynamic market play game so as to replace the current development path.