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我国保险业经历了 2 0多年的发展 ,当前正面临新的挑战。要进一步扩大保险市场的规模 ,促进保险业的发展 ,有必要而且也有可能在保险业引入竞争机制 ,选择正确的竞争目标模式。保险业竞争目标模式的选择不是任意的 ,它既受到一般制约因素 ,即规模经济效益要求、组合经济效益要求、技术进步和创新要求的制约 ,还受到特殊制约因素 ,即社会主义经济制度性质、保险业的行业特殊性、国际竞争环境的制约。分析这些制约和影响的因素 ,中国保险业竞争的目标模式既不是完全竞争 ,也不是有效竞争 ,而是一种有限制约的自由竞争 ,即在国家监督管理基础上实现自由竞争。这一竞争目标的实现有赖于法律制度的健全 ,同时也使竞争法对保险行业的关注成为可能 ,当然不排除某些方面作为竞争例外。
China's insurance industry has experienced more than 20 years of development and is currently facing new challenges. To further expand the size of the insurance market and promote the development of the insurance industry, it is necessary and possible to introduce a competition mechanism in the insurance industry and select the correct mode of competition target. The choice of insurance industry's competition target mode is not arbitrary. It is subject to the general constraints of scale economic efficiency requirements, economic efficiency requirements, technological progress and innovation requirements, but also by the special constraints of the nature of the socialist economic system, The special nature of the insurance industry, the constraints of the international competitive environment. Analysis of these constraints and the impact of factors in China's insurance industry competition target model is neither perfect competition nor effective competition, but a limited contractual free competition, that is, based on the state's supervision and management to achieve free competition. The realization of this competitive goal depends on the soundness of the legal system and at the same time makes it possible for the competition law to take care of the insurance industry. Certainly, certain aspects are not excluded from the competition.