我国商业保险发展现状、存在问题及其科学发展的思考

China commercial insurance development present situation,existing problem and its scientific development

胡锦涛同志在十七大报告中提出的科学发展观是我国经济社会发展的重要指导方针,也是对保险业的要求。在当前经济全球化、金融一体化的经济环境下,商业保险应何去何从以实现可持续发展并在国民经济中发挥应有的作用,是保险业目前紧迫而艰巨的任务。本文针对我国商业保险目前存在的管理体制落后、监管不利、产品创新不足等足以影响其长远发展的问题提出实现其科学发展的建议及对策。

Science＇s development thingking that has been put in seventeenth national convention report by Comrade Hu Jin Tao is important guiding principle to our economy and insurance too.In the environment of economic globalization and monetary integration,it is urgent and arduous mission of insurance at present that commerce insurance should decide on what path to follow in order to play importment effection in national economy.This article that based on current situation and question analysis which enough to affect whose long term development to commerce insurance,such as management system behind,supervision lack and product innovation lack is put suggestion and countermeasure.