一、保险管制阻碍保险创新本世纪３０年代之前，西方各主要资本主义国家都信奉自由竞争、自动调节、自由放任、自由发展，政府只充当“守夜人”的经济原则，让市场力量自由调控经济达到资本主义经济均衡。１９２９—１９３３年，资本主义世界爆发了特大经济危机，从而宣告西方 First, the insurance control hinder the insurance innovation Before the 1930s, all the major western capitalist countries believed in free competition, self-regulation, laissez-faire and free development. The government only acted as the economic principle of “watchman” and let the market forces control the economy freely Achieve a balanced capitalist economy. From 1929 to 1933, an economic crisis broke out in the capitalist world, declaring the West