我国保险行业调整转型依然任重而道远——调整转型是否会再次前功尽弃?

It will Still be a Long Way to Go Towards Successful Adjustment and Transformation of Insurance Industry in China——will the effort to adjust and transform the insurance industry in China yet again go down the drain?

2004年,随着我国三大保险公司股票在海外成功上市,我国保险业也拉开了第一次调整转型的序幕。然而,随着2006—2007年资本市场的持续走强,第一次转型也半途而废。投连险、万能险大行其道,趸交产品也"死灰复燃",人人都想分享资产暴增的盛宴,银行代理业务借力投连险等产品呈现出井喷的景象,结果我国保险业在2008年出现了逆市大增的"壮观场面"。2008年末,我国保险业拉开了第二轮调整转型的序幕。中国保监会连续下发通知强调加强结构调整,转变发展方式,促进寿险业平稳健康发展。但是,2010年一季度,我国保险业同比增长又高达38.6%。第二次转型是否会再次前功尽弃,我们仍需拭目以待。

In 2004,as the Chinese Big Three insurance companies were successfully listed abroad,the curtain of the first adjustment and transformation of the insurance industry in China parted.However,with continued strength in capital market from 2006 to 2007,the first attempt was given up halfway with investment-linked insurance and universal insurance becoming ever popular and lump-sum payment products resurging.Everyone tried to get a grab in this feast of assets surge and commission insurance business blew out taking advantage of the investment-linked products resulting in insurance industry in China bucking the market trend and enjoying a boom in 2008.At the end of 2008,another attempt to adjust and transform the Chinese insurance industry was made.Within one year or so,in an attempt to promote stable and healthy development of Chinese insurance industry,the China Insurance Regulatory Commission（CIRC） issued continuous notifications emphasising structural adjustments and transfomation of development pattern.Nevertheless,the first quarter of 2010 still witnessed a surge by 38.6% in insurance industry over the same period last year.Now,the only question remained is,will the effort be made in vain yet again？ We will wait and we will see.