从中国保险产业的发展看我国金融大部制改革的必要性

自1980年中国恢复保险业务以来，随着中国保险业的市场化进程日益深入，中国保险业与其他金融行业的融舍程度不断加深。在这种情况下，人们开始对现行中国分业经营、分业监管体制进行检讨，目前讨论较多的一种方案是将目前的保监会、证监会和银监会合并成为大金融部。从中国保险产业30年来的运行实践分析，保险业市场规模不断扩大，保险市场垄断程度持续下降，保险业的赔付率和费用率水平保持稳定，保险投资收益率不断提高。这证明了几年前国家作出的分业监管决策是十分正确的。中国的金融业发展快，问题多，情况复杂。继续保留“一行三会”的体制有利于加快金融体制改革，有利于中国的金融业在保持稳定的前提下，尽快做大做强。

The Necessity of Reforming Financial System in China Based on Its Development of Insurance Industry

Since China＇s insurance industry resumed into operation in 1980, its marketization has been extended, and the amalgamation with other financial departments has been developed. Under such a situation, people started to reexamine the rationality of the active operation and supervision system of the financial business. Now the most popular idea is to amalgamate the PBC, the CIRC, the＇CSRC and the CBRC into a great financial department. With an analysis of the 30-year operation of insurance industry in China, the scale is expanding, the extent of monopolization is decreasing, the loss ratio and the expense ratio maintain stable, and the investment ration is going up. The practice of China＇s insurance industry suggests that the decision of the segregation of financial business made years ago in China is correct. In China, financial industry is developed very fast, though there are many complex problems. Keeping the financial supervision system with the PBC, the CIRC, the CSRC, and the CBRC is helpful for the revolution of the financial system, for the stability of the financial industry in China, and make them bigger and better.