高度重视风险防范 促进保险业健康发展

Emphasizing risk prevention,promoting healthy development of the insurance industry

2008年以来国际金融危机的发生,对很多国家金融业形成重创,保险业也受到了很大影响。反观国内保险业,近年来带有投资性质的保险衍生产品的无序扩张也造成一些结构性的矛盾和问题,影响着整个行业的稳定健康发展。同时,市场经济的发展也对保险业提出了新的要求。保险业应坚持保险产品保障本质,促进产品结构调整优化;坚持保险投资安全原则,确保保险资金稳健运用;重视发挥风险预防功能,推动现代保险业的发展;发挥商业保险专业优势,承担社会保障重要责任。

The global financial crisis since 2008 has gravely plagued many countries＇ financial industry, and the insurance industry is not immune from that. The irrational development of investment-oriented insurance products in recent years has led to some structural problems ,which affects the industry＇s healthy development. At the same time the development of market economy has put forth new requirements on the insurance industry. The insurance industry should adhere to the protection characteristics of insurance products and proactively restructure the business mix;adhere to the principle of security for insurance funds investment and maintain a stable investment performance;emphasize its risk prevention function, and promote the development of the insurance industry;mobilize the professional advantages of commercial insurance, and shoulder more social security responsibilities.