制度冲突与商业保险发展困境

周丽萍

（中国人民人寿保险股份有限公司吉林省分公司，吉林 长春 130021）

   ［摘要］随着发展改革的不断深化，中国保险业的发展已进入了矛盾多发期，只有及时化解各种矛盾，中国保险业才能保持一个稳定的运行秩序，实现做大做强的目标。保险业发展中的种种矛盾是制度冲突导致的，因此，从制度层面着眼协调保险业发展面临的矛盾和困境尤为重要。为此，政府应对商业保险给予重视和政策支持；提升全民的风险意识；商业保险公司要提高自身经营水平。
   ［关键词］商业保险；发展困境；制度冲突；制度协调
   ［中图分类号］F840.32［文献标识码］A［文章编号］1004-3306（2008）02-0029-03
    Abstract：Along with the continual development and the deepening reform, China′s insurance industry has entered a period of frequent occurrence of contradictions. Only promptly resolving various contradictions, will China′s insurance industry continue to maintain an orderly operation and grow bigger and stronger. The contradictions are a product of conflicts between systems. Therefore, coordinating the contradictions and difficulties in the insurance industry from the system perspective is especially important.
    Key words：commercial insurance；development difficulties; system conflict；system coordination