影响国内寿险业发展的因素分析

Analysis of Factors that Affect the Development of Domestic Life Insurance

在国内寿险业高速发展的背景中,有几个重要的客观因素影响着寿险业的健康持续发展。第一,地方社会保障体系建设中商业保险的位置问题;第二,现行税收政策对寿险业的限制问题;第三,保险资金运用的实际问题。该文通过对以上三个问题的具体分析,指出:在法律制度上要进一步明确商业保险在国家社会保障体系中的法律地位,在税收上要给寿险业的发展给予更优惠的税收政策,同时进一步放宽资金运用的渠道限制,规范资本市场,给保险资金的安全增值创造更大的发展空间。

Against the background where domestic life insurance sector is growing rapidly,the following three objective factors affect its sustainable development:the status of commercial insurance in the construction of a local social security system,the restraints of the existing tax policy on life insurance,and the real-life problems existing in insurance fund operation.This paper attempts to address the issue by proposing that efforts should be made to define more clearly the legal status of commercial insurance in the national social security system,offer more preferential tax policies for the development of life insurance sector,and create more opportunities for safe appreciation of insurance fund by relaxing restriction on fund operation and regulating the capital market