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一、我国保险业组织制度均衡分析制度变化的供给,取决于政治秩序提供新的制度安排的能力和意愿。从我国金融业来看,主要表现为国家对分业经营及混业经营的选择。自1993年国务院规定进行金融分业经营,并在1995年颁布《中国人民银行法》、《商业银行法》和《保险法》,我国基本确立金融体制的分业经营格局。加入WTO以后,金融监管部门对分业经营的要求有所松动,但我国仍将坚持“分业经营、分业监管”的金融体制。
First, China’s insurance industry organization system to balance the supply of institutional changes, depending on the political order to provide new institutional arrangements and willingness. Judging from the financial industry in our country, the main manifestation is the country’s choice of separate operation and mixed operation. Since 1993, the State Council stipulated that the financial sector should operate separately, and in 1995 promulgated the “Law of the People’s Bank of China”, the “Law on Commercial Banks” and the “Insurance Law”, China basically established the pattern of its own banking business. After China’s accession to the WTO, the financial regulatory authorities have loosened their demand for separate operation, but our country will still adhere to the financial system of “separate operation and separate regulation”.