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借鉴金融深化理论,本文通过对保险深化的定义、内涵和决定因素进行全面阐述,从而提出保险深化理论,并运用保险深化理论对改革开放后中国保险业的发展历程进行了实证分析。提出中国保险深化的进程实质是产权明晰和国家产权逐步退出的过程,属于典型的供给主导型制度变迁,下一步中国保险深化的攻坚和关键是国有保险主体的产权改革。
By referring to the theory of financial deepening, this paper comprehensively elaborates the definition, connotation and determinants of insurance deepening, puts forward the theory of deepening insurance and uses the theory of insurance deepening to make an empirical analysis of the development of China’s insurance industry after the reform and opening up. It is proposed that the process of deepening insurance in China is the process of clear property rights and the gradual withdrawal of state property rights. It is a typical supply-led institutional change. The next crucial step in China’s insurance deepening is the property rights reform of the state-owned insurance entities.