新兴市场经济国家的保险市场和其他市场一样 ,面临着许多特殊的挑战 ,其中保险监管制度的调整和与国际接轨问题首当其冲。应当客观地看待新兴市场国家保险制度的弱点 ;应当为充分发挥市场机制作用创造必要的基础条件 ;应当建立一个高效能的保险监管机构 ;应当形成一套审慎的市场准入和退出机制 ;应当对保险机构实施持续性的监管 Like other markets, the insurance market in emerging market economies faces many special challenges. Among them, the adjustment of the insurance regulatory system and the issue of international standards are the primary ones. We should objectively look at the weaknesses of the insurance system in emerging market countries. We should create the necessary basic conditions for giving full play to the role of market mechanisms. We should establish a highly effective insurance regulatory agency. We should form a set of prudent market access and exit mechanisms. Insurance agencies implement continuous regulation