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我国《保险法》第91条第2款规定:“同一保险人不得同时兼营财产保险业务和人身保险业务”。按照这一经营规则,我国保险业长期以来混业经营的状况将发生根本性的变化。作为国家保险公司的中国人民保险公司,已根据国务院和中国人民银行的部署,率先实行了机构体制改革。而改革的重点就是产、寿险机构分设,业务分营。中国太平洋保险公司、中国平安保险公司等其他商业性保险公司,也将进行同样性质的改革。 从保险业发展的规律看,由于产、寿险业务在保险标的、核算办法、实务处理等方面都具有很多不同的特点,因此,综观世界上大多数国家保险业的发展史,可以说分业经营是一个必经
Paragraph 2 of Article 91 of the Insurance Law stipulates: “The same insurer may not concurrently engage in property and casualty insurance business and personal insurance business.” In accordance with this operating rules, the situation of mixed operation in the insurance industry in our country will be fundamentally changed. As a national insurance company, PICC has taken the lead in implementing institutional restructuring in accordance with the plans of the State Council and the People’s Bank of China. The focus of the reform is production, life insurance agencies, business sub-camp. China Pacific Insurance Company, China Ping An Insurance Company and other commercial insurance companies, will also carry out the same type of reform. From the perspective of the development of the insurance industry, since the production and life insurance businesses have many different characteristics in terms of the subject matter of insurance, accounting methods and practical handling, it can be said that in view of the development history of the insurance industry in most countries in the world, It is a must