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1980年恢复办理国内保险业务以来,中国保险业已经快速成长为国民经济体系的重要组成部分,目前,我国保险费收入高速增长,但与发达国家差距仍然明显;保险密度和保险深度增长较快,但近两年增速趋于下降。造成这种状况的主要原因是我国保险市场长期寡头垄断,由极少数主体主宰市场,影响了新公司的成长与保险业规模的发展壮大;市场竞争加剧致使费率水平持续下降,市场经营环境欠佳。为实现我国保险业的健康可持续发展,应引入竞争机制,健全保险业市场体系;在巩固常规保险业务的同时,积极进行保险产品的创新;完善再保险服务体系。
Since the resumption of the domestic insurance business in 1980, the insurance industry in China has rapidly grown into an important part of the national economy. At present, the premium income in our country is growing rapidly, but the gap with developed countries is still significant. The insurance densities and insurance premiums have increased rapidly, However, the growth rate in the past two years tends to decline. The main reason for this situation is the long-term oligopoly of the insurance market in our country and the domination of the market by a very small number of entities, which has affected the growth of the new company and the development and growth of the insurance industry. The intensified market competition has resulted in the continuous decline of the tariff rate and the lack of market operating conditions good. In order to realize the healthy and sustainable development of China’s insurance industry, a competitive mechanism should be introduced to improve the insurance market system. While consolidating the conventional insurance business, we should actively innovate the insurance products and improve the reinsurance service system.