不论是市场经济国家还是非市场经济国家,都有一套对保险市场进行比较严格的管理制度。通常,可以将各国对保险业和管理大致分为两种模式,即市场型管理和垄断型管理。 市场型管理模式包括完全市场型和有限市场型,实行完全市场型管理模式的国家,保险市场对内、对外全面开放。国家对保险企业的管理比较宽松,外国公司与本国公司享受同等待遇。采取这一模式的国家主要是欧美发达国家,尤以英国最为典型。有限市场型是指保险业经营虽以市场经济为基础,但保险市场仍具有较高的垄断性。竞争范围主 Whether the market economy countries or non-market economy countries, have a more stringent insurance market management system. Generally speaking, countries can roughly divide the insurance industry and management into two modes: market-based management and monopoly management. The market-based management models include those with a complete market type and a limited market type, and those with a full market-type management model. The insurance market is fully open internally and externally. The management of insurance companies in the country is relatively relaxed, and foreign companies enjoy the same treatment as their domestic counterparts. The countries that adopt this model are mainly developed countries in Europe and the United States, especially the most typical in Britain. The limited market type refers to the insurance business though based on the market economy, but the insurance market still has a high monopoly. The main scope of competition