THE PRIVATIZATION OF PUBLIC VOLUNTARY INSURANCE

本课题的主要目的是为寿险业提供一个公共自愿保险的框架，在本课题中，我们对公共自愿保险的一些问题进行了探讨，并与国际比较，结果表明：（1）公共自愿保险的框架取决于寿险业的竞争程度，（2）寿险业的行业组织结构受行业监管政策、私人保险公司和公共自愿保险体系的总体机制控制，寿险业效率的统计研究正在进行中。

THE MAIN PURPOSE OF THIS PROJECT IS TO PROVIDE A FRAMWORK OF PUBLIC VOLUNTARY INSURANCE IN THE LIFE INSURANCE INDUSTRY.IN THIS PROJECT, WE EXPLORE SOME PROBLEMS OF PUBLIC VOLUNTARY INSURANCE WITH THE INTERNATIONAL COMPARISON.THE RESULTS OF OUR PROJECT SHOWS THAT(1) A FRAMWORK OF PUBLIC VOLUNTARY INSURANCE DEPENDS ON THE DEGREE OF COMPETITON OF LIFE INSURANCE INDUSTRY,(2) INDUTRIAL ORGANIZATION OF LIFE INSURANCE INDUSTRY IS CONTROLLED BY TOTAL MECHANISM OF REGULATORY POLICY TOWARD THE INDUSTRY, PRIVATE INSURANCE COMPANIES AND PUBLIC VOLUNTARY INSURANCE SYSTEM.STATISTICAL STUDY OF EFFICIENCY IN LIFE INSURANCE INDUSTRY IS PROCESSING.