一、香港保险法制的历史沿革正象其他普通法法域那样,香港的保险合同法主要遵循英国判例法,且无大的发展变化。故本文的考察集中于其保险业及其监管法制。当然,由于保险监管理念在保险合同法的渗透日深,本文并不严格划分这两个领域。纵观香港保险法律架构的演变,其保险法制的发展大致可分为三个阶段:(一)普通监管时期——放任主义阶段香港的普通监管时期大约处于本世纪初至70年代末,相当于世界范围内保险发展史的放任主义 First, the historical evolution of Hong Kong’s insurance law Just like other common law jurisdictions, Hong Kong’s insurance contract law follows the English case law and there are no major developments. Therefore, the study of this article focuses on its insurance industry and its regulatory legal system. Of course, due to the infiltration of insurance regulatory law in the insurance contract law, this article does not strictly distinguish between these two areas. Looking at the evolution of Hong Kong’s legal framework for insurance, the development of the insurance law can be broadly divided into three stages: (I) Ordinary Supervision Period - The period of laissez-faire The period of ordinary supervision in Hong Kong is between the beginning of this century and the end of the 1970s, Liberalism in the history of insurance development worldwide