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在改革发展保险业和建立完善市场经济的进程中,应当站在历史和国际的高度,深刻审视保险与市场经济的关系,澄清认识误区,树立正确理念。关于保险与市场经济的关系,本文提出六个基本理念:即保险业不完善的市场经济不是完善的市场经济;保险业的立业之本是经济保障和风险管理;“保险泛财政化”是一种制度扭曲;保险业发展应遵循客观经济规律;保险监管的最大职责是保护消费者利益;政府应从“完善市场经济”的高度来统筹规划保险业的发展。
In the course of reforming and developing the insurance industry and establishing and improving a market economy, we should stand at the historical and international level, thoroughly examine the relationship between insurance and market economy, clarify our misunderstanding and establish a correct concept. With regard to the relationship between insurance and market economy, this paper proposes six basic concepts: the imperfect market economy in insurance industry is not a perfect market economy; the foundation of insurance industry is economic security and risk management; the “insurance pan-fiscalization” Is a distorted system; the development of the insurance industry should follow the objective economic law; the biggest responsibility of insurance supervision is to protect the interests of consumers; and the government should make overall plans for the development of the insurance industry from the perspective of “improving the market economy.”