| The efficiency of resource allocation is always the keystone of economics. Onthe basic of economical theory of resource allocation and insurance theory, this paperfocuses on a new issue about the efficiency of insurance resource allocation, with thecombination of normative and positive analysis which is conducted on the contrastand comparison approaches.From the point of resource allocation, during the recent twenty years, thenational insurance industry has experienced three phases which are monopoly,oligopoly and monopolistic competition, and will keep the monopolistic competitionfor a long time, which is determined by the own character of national insuranceindustry and its status in economy.The resource allocation of national insurance industry nowadays mainly has twoproblems: first, the progress of policy insurance and commercial insurance isunbalanced, which cumbers the development of agriculture, foreign trade and realestate industry to some extent;second, the resource inside the commercial insuranceis not allocated with reason, and some is wasted, which is embodied in the aspects ofinsurance supply, insurance agency, insurance demand and insurance product.By the comparison of the resource allocation of national and internationalinsurance industry, it is proved that the whole progress of the national insurance isstill drop behind, the convergence degree of insurance market is high and the corecompetition of insurance company is not strong. Therefore, we should set up theinsurance market mechanism and the open market system, establish the insurancecompany as the principal part of the market, consummate the operation approaches,activate the effective demand of consumer and make innovation of insurance productand service constantly. At the same time, using the economical, juristical andadministrative method, the government can strengthen the supervision andmanagement and set up and consummate the juristical system to exert the function ofmacroscopical adjustment and control. |
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