中国保险业发展的国际比较与对策研究

An International Comparison of China's Insurance Industry Development and the Countermeasures

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 China resumed domestic insurance business in 1980, the insurance industry in China has quickly become an important component of the national economic system. China＇s premium growth is very high today, but there is still a visible gap in level of development with the developed markets. Insurance penetration and density increased quite rapidly, but the speed of growth declined in the last two years. This is mostly due to the long-term oligopoly in the insurance market, which means that a very small number of players control the market affecting growth of new entrants and the expansion of the size of the market. Intensifying competition results in continuous premium rate cutting and the external operational environment is worsening. We should introduce a healthy competitive mechanism and establish a smoothly-running insurance market system if we want to see the industry develop soundly and sustainably. We should proactively seek product innovation while strengthening our existing insurance business and we should improve the reinsurance system.