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我国财产保险偿付能力监管制度的变迁是一种政府主导型的制度变迁。本文从制度经济学角度分析,运用戴维斯、诺斯和林毅夫关于制度变迁的理论,从制度选择集合的改变、监管资源相对价格的变化、技术进步和克服对风险的厌恶四个方面,论述我国财产保险偿付能力制度变迁目的是以提高监管效能、降低监管成本,从而提高整个社会福利为目的制度变迁过程,以期通过理论洞察来为进一步推进我国偿付能力监管制度提供一些有益的思考。
The change of regulatory regime of China’s property insurance solvency is a kind of government-led institutional change. Based on the institutional economics, this article uses the theories of Davis, North and Lin Yifu on institutional change, from the change of institutional choice set, the change of relative price of regulatory resources, technological progress and overcoming the risk aversion The purpose of the institutional change of China’s property insurance solvency is to improve the efficiency of supervision, reduce the cost of supervision and improve the whole social welfare system transition process, with a view to providing some beneficial thinking for further promoting China’s solvency regulation system through theoretical insight.