健全现代保险企业产权关系是发展社会化大生产和市场经济的必然要求。产权关系明晰与否,直接影响保险企业经营活力。对产权关系的界定有助于确立资产所有者的职责、权力、利益和保险企业法人的职责、权力和利益,克服我国保险业传统产权制度存在的弊端,因此对现代保险产权关系的分析和探讨显得十分必要。一、西方保险业产权关系概况所谓产权是指对某一特定财产所具有的所有权(即归属权)及其占有、使用、收益的权利。西方保险业经历了较长时期的发展,在产权关系上已达到经营权和所有权合理分离的程度。企业产权组织形式从工业化初期的独资企业发展到合伙企业再发展到现阶段的股份制企业。归纳起来,西方保险企业产权关系大致经历了三个发展阶段。在工业化初期,保 Improving the property rights of modern insurance companies is a necessary requirement for the development of socialized mass production and market economy. The clarity of property rights or not, a direct impact on the vitality of insurance business. The definition of property rights helps to establish the responsibilities, powers and interests of the owner of the assets, responsibilities, powers and interests of the legal person of insurance, and overcomes the disadvantages of the traditional property rights system in China’s insurance industry. Therefore, the analysis and discussion on the relationship between modern insurance property rights It is very necessary. First, the overview of the relationship between the property rights in the West The so-called property rights is the ownership of a particular property (ie, ownership) and its possession, use, revenue rights. The western insurance industry has experienced a relatively long period of development and the degree of ownership of the management right and the ownership has been reasonably separated in the property right relationship. The form of enterprise property right organization has evolved from a sole proprietorship enterprise in the early stage of industrialization to a joint-stock enterprise that has re-developed into a partnership enterprise at this stage. To sum up, the property rights relations of the western insurance enterprises generally go through three stages of development. In the early stages of industrialization, Paul