金融危机下我国保险业面临的问题与对策研究

On the Problems of China's Insurance and Strategies in Financial Crisis

在金融危机的严重冲击下,实体经济的波动直接影响了保险业的发展。我国保险业必须尽快解决内部管理运作混乱,结构性不合理,销售渠道不科学等问题,以对金融危机的挑战。应加强对资本市场的研究控制,促进保险机构规范经营以及保持保险业的长期稳定;要改善经营管理,改变管理方式,转变运营机制;要明晰发展战略,确立市场定位,进行产品结构性调整,实现战略转型。

Under the serve impact of financial crisis, the fluctuation of real economy directly influenced the development of insurance. In China＇s insurance, we must solve the problems of disordered external management, irrational structure, unscientific marketing chan- nels, etc. as soon as possible to cope with the challenge of financial crisis. We should also strengthen research and control on capital market, promote standardized business of insurance institution and keep long-term stability of insurance, improve operation and man- agement, change management manner and running mechanism, clarify development strategy, establish market orientation to adjust prod- ucts structure, and realize strategic transformation.