Study On The Appraisal And Counterstrategy Of Our Insurance Ecology System

After long period of development and evolvement, gradually , insurance have had its own internal logic and rule, and it becomes an animated movement with many ecosystem characteristics. However, in consideration of the actuality of our insurance theory study, the inherent ecological principles and characteristics of insurance are not be discovered, and nobody has studied them. 30 years after the Chinese reformation and opening policy, with the high speed growth of our national economy and foundation and consummation of socialism marketing economy system ,our insurance developed with high speed.With the of volume of premium continual grew, insurance products of different risk type. the increasingly multiplied, the insurance organizations continually consummated, the insurance fields progressively expanded.Insurance played a more and more important role in the national economy. Meanwhile, during the period of high speed development, our insurance exposed a series of austere and profound questions need to be resolved imminently.There are also wrong thoughts and behavior in the industry administration, which deviated from the essential rule of insurance and badly impacted the durative and healthy development of our insurance. On the basis of inherent ecological characteristics and development condition of our insurance industry, this dissertation in troduced ecologic principles into insurance area ,and put forward the concept of insurance ecology and founded its basic theory framework ,in order to study the present development questions in insurance deeply and systematically .The insurance ecologic system is a complexly connected, competed and benign coincident homeostasis system with certain structure and characteristics and with certain function , which the insurance organizations constructed in order to exist and develop through work-dividing and cooperation during the time of reciprocity with its living environment and other internal organizations.Insurance ecologic system is constructed with ecologic environment system and ecologic organization system. According to insurance ecology basic theory ,A insurance quaternion structure model is established, including insurance resources, insurance subjects, customers and insurance intermediary, insurance regulation authority, its most characteristics is summarized that insurance ecologic system is a structure and function item of most importance in the insurance ecology, which is the highest level the insurance ecology studied. Insurance ecologic system is a system with dynamic characteristics. Fluid energy, cycling matter and information transferred are three major functions of insurance ecologic system. Insurance ecologic system has self-adjust ability of insurance ecologic sys, which assured the adaptation by one another between insurance resource and insurance subjects, between insurance subjects, customers and insurance intermediary, between ecologic organization and ecologic environment, but The adjust mechanism is limited.Through item analyses to the insurance quaternion structure model, a quality appraisal system of district insurance ecologic system is to be established , which supplied basic proof to the appraisal of district insurance ecology. The appraisal system included qualitative appraisal and quantificational analysis, quantificational analysis is composed of 3 objective arrangements, 9 rule arrangements and 54 item arrangements such as economic level, insurance organization development level, social credit and legal environment. qualitative appraisal included the maturity degree of insurance law and its executive situation, the degree of support to insurance movement from policy, healthiness of credit mechanism and degree of support and interference to insurance from government.With the guidance of insurance ecology theory, quaternion structure model and appraisal system, through qualitative appraisal and quantificational analysis, the insurance ecologic system of Shanghai, Chongqing and Guiyang is arranged by excellence, and the insurance ecologic system of both China and India are comparatively analyzed from both sides of ecologic environment and ecologic organization.Through analysis and appraisal on actuality of our insurance ecologic system, the conclusion is that our insurance ecologic system did not reach the benign cycle and homeostasis. a series of essential questions did not been resolved. This dissertation pertinently put forward correlative counterstrategy and suggestion.The innovation of this dissertation is, firstly ,creatively introduced ecologic principle into insurance area, and constructed insurance quaternion structure model, supplied a gap of theoretic study on our insurance., secondly, quality appraisal system of district insurance ecologic system is to be established, which supplied quantificational tools to insurance study. lastly, using the appraisal system of district insurance ecologic system to arrange the insurance ecologic system of Shanghai, Chongqing and Guizhou is by excellence,During the period of analysis, qualitative and quantificational analytic techniques was used, and finished quantificational analysis and appraisal of pivotal items was finished through data statistics.From now on, it is a vacancy in the insurance area that use ecologic theory to study insurance. The brought out of question of insurance ecology is an important theoretical innovation ,which could change the visual angle and thinking pattern of insurance theoretic study, and expand the studying area of insurance theory, and erect an insurance development concept more coincident to ecologic principle and internal rule of insurance, and will be of great directive and practical significance to impel the long-range and continuable development of our insurance industry.