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一、保险制度的内涵及其变革的“边际”性质 在传统的意义上,人们把保险制度看作是一种组织框架或硬件结构。因此,保险制度改革也就自然成为保险组织体系的变更和重组过程。当然,我们并不否认真正的制度变革也包括表层框架的演变与改进,可是,无论是从理论上推导还是从实践中验证,都不会产生仅就表层框架进行改革而使保险业获取长期稳定发展的效绩。
First, the connotation of the insurance system and the “marginal” nature of its transformation In the traditional sense, people regard the insurance system as an organizational framework or hardware structure. Therefore, the reform of the insurance system naturally becomes the process of changing and reorganizing the insurance organization system. Of course, we do not deny that the real institutional changes also include the evolution and improvement of the superficial framework. However, neither the theoretical derivation nor the practical verification will result in the long-term stabilization of the insurance industry through the reform of the surface framework Performance of development.