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在我国保险市场开放与发展的过程中,保险市场模式的选择直接影响着保险业的发展和社会经济的稳定。通过分析我国保险市场现状,比较和借鉴海外模式,并结合我国的实际,以及保险业自身的特点和国际经济环境,我国未来的保险市场模式应当为垄断竞争型市场模式,其实现的途径在于:加速保险市场主体的培育;打造保险航空母舰;保险营销渠道的创新;进一步完善保险法律法规;保险监管职能的转变;完善行业自律和企业内控制度。
In the course of the opening and development of the insurance market in our country, the choice of the insurance market mode has a direct impact on the development of the insurance industry and the social and economic stability. By analyzing the status quo of China’s insurance market, comparing and drawing on overseas models, combined with China’s actual conditions, as well as the insurance industry’s own characteristics and the international economic environment, China’s future insurance market model should be monopolistic competitive market model, and its realization lies in: Accelerate the cultivation of the main body of the insurance market; Create insurance aircraft carrier; Innovations in insurance marketing channels; Further improve the insurance laws and regulations; Insurance regulatory functions; Improve the industry self-regulation and internal control system.