The history of insurance has been characterized in most countries by the coexistence of a wide range of organizational forms. The reasons for this plethora of vehicles remain unclear, as does the impact of this diversity on the development of insurance around the world. Drawing on the latest research, this paper examines, first, the different functions of the state in relation to insurance in a wide range of national markets from the early modern period to the present century; second, the path-dependent effects that deter- mined the historical distribution of public and private forms of insurance; and third, the relation between public and private insurance and its impact on market development.

中文翻译：

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逃离国家？公共和私人保险的历史路径

在大多数国家，保险历史的特点是多种组织形式并存。车辆数量过多的原因尚不清楚，这种多样性对全球保险发展的影响也是如此。本文利用最新研究，首先考察了从近代早期到本世纪，在广泛的国家市场中，国家在保险方面的不同功能；第二，路径依赖效应决定了公共和私人保险形式的历史分布；第三，公私保险的关系及其对市场发展的影响。