Abstract：Modern insurance is a systematic arrangement to offer risk guarantee and improve resource allocation efficiency. Due to the special duel economic structures, the leading role of state in the insurance system selection is determined. The paper makes use of state efficiency function to analyze the reason of the country's insurance system innovation. The paper points out：the higher the state proprietary monopoly degree and the larger the state's control cost, the lower the state's efficiency; the higher the marketization degree and the stronger the innovation ability of the competitors, the higher of the country's efficiency. This result is also the real motivator that drives Chinese insurance system to successfully transfer from high centralization to diversified competition during 30 years of reform and opening. Furthermore, it is also the rational choice of Chinese insurance system adapting to the market economy.
2009, Vol. 1 
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