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中国近代保险史是一部西方保险商控制和垄断旧中国保险市场的历史。隐藏其后的英国海外火险委员会是在华各火险公司的管理者、协调者和指挥者,扮演了中国保险市场“洋太上皇”的角色。如果不了解英国海外火险委员会,就不可能把握中国近代保险的特征、脉搏、运作机制、内在联系和发展规律。本文阐述中国近代保险业的发展脉络以及中外保险业之间千丝万缕的关系,重点剖析英国海外火险委员会在华四大分支机构,其中包括上海火险公会。
The history of modern Chinese insurance is a history of western insurers controlling and monopolizing the old Chinese insurance market. The ensuing British Overseas Fire Insurance Commission is the manager, coordinator and commander of various fire insurance companies in China and plays the role of the Chinese insurance market “Top Pacific King”. Without understanding the British Overseas Commission on Fire, it is impossible to grasp the characteristics, pulse, operating mechanism, internal relations and development laws of modern Chinese insurance. This article expounds the development of modern insurance industry in China and the inextricable links between insurance industry in China and other countries. It focuses on the four branches of British Overseas Fire Insurance Committee in China, including the Shanghai Fire Association.