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所谓保险行业机制,从总体上讲,它是指在社会生产和国民经济的制约下,服从于整个社会经济运行机制的保险行业中各种要素相关和相互作用的过程。其主要功能是:不断积累保险基金,提供各种风险保障,不断扩大承保能力,提高经济效益,促进保险事业健康发展。保险行业机制构成的基本要素是:保险经营企业、保险市场、保险行业组织和国家保险业管理机关。这些要素在运作过程中的作用及相互关系表现为:保险经营企业是保险行业的基本经济单位,
The so-called insurance industry mechanism, on the whole, refers to the process of the correlation and interaction of various factors in the insurance industry subject to the social economic operation mechanism under the constraints of social production and national economy. Its main functions are: continuously accumulate insurance funds, provide all kinds of risk protection, continuously expand underwriting capacity, enhance economic efficiency and promote the healthy development of insurance business. The basic elements constituting the insurance industry mechanism are: insurance companies, insurance markets, insurance industry organizations and the state insurance industry authorities. The role of these elements in the operation of the process and the relationship between the performance of: insurance business is the insurance industry’s basic economic units,