According as an integrative " equilibrium " model, the paper analyzes the level of withdrawing state ownership . then, the paper studies on the scheme of insurance institutional innovation, analyses the methods of insurance institutional innovation and overcoming main obstructive factors in practice, and offers some pertinent policy proposals 在此基礎(chǔ)上,通過(guò)保險(xiǎn)國(guó)有產(chǎn)權(quán)退出的均衡模型分析了保險(xiǎn)國(guó)有產(chǎn)權(quán)退出的幅度空間,并對(duì)進(jìn)行保險(xiǎn)國(guó)有產(chǎn)權(quán)退出、實(shí)現(xiàn)產(chǎn)權(quán)多元制度創(chuàng)新的路徑展開研究,分析了改革的具體方向和方案,提出了相應(yīng)政策建議。