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根据经济跨越式发展理论特别是经济发展不平衡理论,实现跨越式发展需要在局部有条件地区或行业首先突破。中国保监会和深圳市政府在新的历史时期,站在政治的高度,从经济发展的角度,实施建设深圳保险创新试验区的重大举措,这是中国保险业落实科学发展观、实现又好又快发展,服务构建和谐社会的具体体现。深圳保险创新试验区的实践证明,中国保险业实现跨越式发展需要具备经济发展达到一定水平,政策环境长期稳定,各类资本积极进入,实施区域差异化保险监管,发达地区率先突破等相应条件。必须以产品创新为核心,强化保险的社会管理功能;以服务创新为核心,强化保险的经济补偿功能;以资金运用创新为核心,强化保险的资金融通功能。
According to the theory of economic development by leaps and bounds and the imbalance theory of economic development in particular, achieving leapfrog development needs to make the first breakthrough in the localized areas or industries. In the new historical period, the China Insurance Regulatory Commission and the Shenzhen Municipal Government stood at a political height and implemented a major measure of building an innovation zone in Shenzhen from the perspective of economic development. This is a very important step for China’s insurance industry in implementing the scientific concept of development and achieving sound and rapid development Development, service building a concrete manifestation of a harmonious society. The practice of Shenzhen Insurance Innovation Pilot Zone proves that it is necessary for China’s insurance industry to achieve leapfrog development with a certain level of economic development, long-term stable policy environment, active entry of various types of capital, the implementation of regional differentiated insurance regulation and the pioneering breakthroughs in developed areas. We must take product innovation as the core and strengthen the social management functions of insurance. We should take service innovation as the core to strengthen the economic compensation function of insurance. We will capitalize on innovation by using funds as the core to enhance the financial facilities for insurance.