美国保险监管的特点及对我国的启示

The Characteristics of Insurance Regulation in the U.S and the Revelation for China

保险研究有关资料表明,2002年美国保险市场的保费收入达10081亿美元,保险密度3613美元,保险深度9.65%,保险机构5086家,其中非寿险保险公司3260家,寿险和健康保险公司1826家。美国保险业的现状,代表着世界保险业的发展趋势。发达的保险业与其保险监管密不可分,因此,学习、借鉴美国保险监管的经验,对促进我国的保险监管工作迅速与国际接轨,保证我国保险业健康稳定发展意义重大。

Some insurance research data show that the premium income in the U.S insurance market reached$ 1.0088 trillion, the insurance density is $3613, the insurance depth is 9.65%. There are 5086 insurance institutions, of which, 3260 are non-life insurance companies, 1826 are life and health insurance companies. The U.S insurance companies' status-quo and insurance industry is tightly linked. Therefore it has significant meanings to learn and use the experiences of U.S insurance regulations for reference in order to promote China's insurance regulation to integrate with the international conventions and to guarantee the healthful and steady development of China's insurance industry.