要关注保险行业的边缘化倾向

The tendency for the insurance industry to be marginalized

从1980年全面恢复国内保险业务以来,保险业务收入以年均30%的增幅高速增长。但由于保险行业长期以来过度关注保险业务收入数据,在发展过程中忽略了保险业务收入的内涵,导致保险业务收入高速增长的同时,保险行业对于社会应当承担的经济补偿和民生保障的职能在弱化,每逢有大灾大难,本应有突出表现的保险业却经常集体失语,保险行业出现边缘化的倾向,如,保险业过度关注保险业务增长、非寿险业务发展缓慢、财产保险业务的滞后等。

Since the domestic insurance business was resumed in the 1980s,the premium income of the industry has maintained a compound growth rate of over 30% per annum. However,due to the situation that the industry made excessive emphasis on the premium income for many years at the sacrifice of embedded value growth of the business,the insurance industry＇s role at financial compensation and public livelihood protection has been weakened while its revenue keeps growing at a high speed. At the eruption of natural catastrophes when the insurance industry is expected to help out, the industry was often not heard. There is a growing danger for the industry to be marginal ized. The problems the industry is facing with are excessive emphasis on top line growth, slow development on nonlife insurance sector and underdevelopment of property insurance business.