我国人身险市场回顾和2007年展望

A Review of China's Personal Insurance Market and the Outlook of 2007

2006年我国人身险市场继续保持了良好的发展势头,改革开放不断深化,结构调整稳步推进,市场竞争日益充分,保险创新层出不穷,服务领域持续拓宽,功能作用逐步显现,保险监管日趋成熟,实现了"十一五"良好开局。2007年人身险行业将继续保持较快的发展速度,资金投资渠道将进一步放开,保险公司并购重组将不断涌现,外资公司将加快市场战略布局,企业年金市场将进一步升温,农村保险市场潜力将进一步释放,保险公司后台系统资源整合将成为"暗战"利器,保险监管将进一步加强。

China＇s personal insurance market continued to maintain a brisk growth momentum in 2006. The reform and opening up of the market was further deepened and widened, its business structure was steadily improved, competition kept intensifying, innovative practices were constantly introduced to the market, the types of insurance services were further broadened, the roles of insurance were steadily exhibited and insurance regulation became more sophisticated. It is safe to say that 2006 was a grand opening of the 11 th five-year period. We expect to see that the personal insurance industry will continue to grow rapidly in 2007. Investment channels will be further opened up, merging and acquisition among insurance companies will take place at a faster pace, foreign insurers will accelerate their expansion to new markets, corporate annuity market will continue to warm up, the potential of rural insurance market will be further released, back-office system and resources consolidation will become a hidden weapon of competition, and insurance regulation will continue to be strengthened.