2011年我国保险市场发展的研判——基于宏观经济与保险形势

A judgment on the development of the insurance market in 2011——Based on the expectation of the development of the macro-economy and the insurance industry

2010年我国保险市场继续保持了较快的发展。保费收入大幅增长,保险在新领域内亦稳步推进,市场竞争结构有所改善,资金运用收益增加,行业资产总额实现"十一五"规划目标。2011年,积极稳健、审慎灵活将成为我国宏观经济政策的基本取向,加快转变经济发展方式是主线,进一步扩大国内需求特别是消费需求,扎实推动产业结构调整等将成为经济工作的重点,在此背景下,我国保险市场将遵循"转方式调结构,防风险保健康、严监管促发展、建秩序育诚信、推改革求创新"的基本方向,继续推进战略性调整和转型,保险业不仅规模继续增加而且理性竞争、市场秩序、资本约束与监管等方面,将会进一步得到强化和发展。

China＇s insurance market grew strongly in 2010. This is marked by the significant increase in premium income, development in new business areas, structural change in market competition and rise in capital return. In its entirety the insurance industry has realized ＂the 11 th 5-year plan＂ targets. Next year＇s macro-economic policy will feature steadiness, prudence and flexibility. The focus will be on changing the industrial structure and transforming the growth model as the main theme, and further boosting domestic demands, especially domestic consumption. Under such circumstances, the insurance market, under the guidance of ＂transforming business structure and growth mode, guarding against risks and ensuring healthy development, strengthening regulation and promoting development, maintaining a good market order and enhancing corporate credibility, and promoting reform and innovation＂ will proceed with strategic restructuring, enlarging operating scales and calling for more rational competition. We will also see strengthening and improvements in other areas such as market rules, capital restrictions and regulations.