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新制度经济学的理论认为,制度通过提供一系列的规则界定人们的选择空间,约束人们之间的相互关系,从而减少了竞争中的不确定性和交易费用。自1980年中国重新开放保险业务以来,实践证明,在我国保险业从计划经济到市场经济的制度变迁过程中,保险业的开放性和市场化程度不断提高,市场绩效稳步增长,保险业的发展走上了自我强化的良性循环发展之路。这些成就的取得,无疑是我国保险业监管制度变迁的结果。
The theory of New Institutional Economics holds that the system reduces the uncertainty and transaction cost of competition by providing a series of rules to define the people’s choice space and restrain the mutual relations among people. Since China re-opened its insurance business in 1980, practice has proved that in the course of institutional changes in China’s insurance industry from planned economy to market economy, the degree of openness and marketization of the insurance industry has been continuously improved, the market performance has been steadily growing, and the development of the insurance industry Embarked on a self-reinforcing virtuous circle of development. Obtaining these achievements is undoubtedly the result of the changes in the regulatory system of the insurance industry in our country.