政府转型是近年来深化改革的热点问题,路虽漫漫但定要求索。在“十八大”报告中,“五位一体”的总体布局预示着政府转型的加速和市场自由度的提升。在政府管理淡出市场的发展趋势下,作为拥有社会管理职能的保险业势将在填补管理空白上发挥重要作用。而作为现代保险业标志的责任保险,更将面临历史所赋予的发展机遇,促成外部 The transformation of the government is a hot issue in deepening the reform in recent years. Although the road is long and long, it is required to claim it. In the report of the 18th National Congress, the overall layout of the “Five in One” heralds the acceleration of government transition and the enhancement of market freedom. Under the trend of government management fading out of the market, the insurance industry with social management functions will play an important role in filling the managerial gaps. As a symbol of modern insurance industry, liability insurance will face the development opportunities given by history and promote the external