国际金融危机对我国保险业的影响及启示

The Impact of the International Financial Crisis on China's Insurance Industry and its Revelation

国际金融危机给我国的保险业带来了一定的冲击,主要表现在保费收入增速放缓、投资收益大幅下降及客户信心下降等方面。但这场危机也刺激了保险需求,促使尚处于初级发展阶段的我国保险业积极进行结构调整,回归保障本质,加速保险业的重新洗牌。如果我国保险业能从这次危机中吸取经验和教训,强化风险防范意识,加强监管与内控,长期健康的发展或可期待。

While the global financial crisis has exerted great impact on our insurance industry,it also stimulates the demand for insurance and provides the opportunity for China's infant insurance industry to make necessary structural adjustment.Our insurance industry should learn from the current international financial crisis,highten the awareness of risk prevention and strengthen supervision and domestic control.