关于金融危机下加快我国保险业发展的思考

Reflection on Speeding up the Development of China's Insurance Business during the Financial Crisis

在经济全球化的背景下,发端于美国次贷问题的世界金融危机,沉重打击了全球的经济发展。我国的保险业作为开放力度较大、市场化程度较高的行业,在这次金融危机之中难以独善其身,也受到了冲击和影响。金融危机使我国保险业发展的不确定因素增加,使我国的保险公司以及保险监管机构面临更加严峻的挑战。为应对金融危机,必须防范和化解保险风险,努力维护保险市场稳定;转变保险公司经营理念,积极推动保险业结构调整;进一步完善现代保险监管体系;支持国家宏观经济政策和重点领域改革,积极为经济社会发展服务。

Under the background of economic globalization, the world hnanclal crisis starting in tne tJo subprime mortgage crisis, attacked the development of global economic heavily. The insurance business in China, as a widely open and highly marketed industry, was struck and impacted heavily. Fi- nancial crisis increased uncertain factors in the development of China＇s insurance, and caused our country＇s insurance company as well as the insurance supervision organization to face with a more stern challenge. To counter with the financial crisis, insurance risk should be guarded and melted, and the insurance market should be taken effort to maintain stable; the management concepts of insurance company should be transformed, structure adjustment of the insurance industry should be actively promoted; modern insurance supervision system should be further bettered; the macroeconomic policy of the state and the key field reform should be supported to actively serve the economic society.