我国保险业发展中存在的若干问题及对策

Problems with Cnina's Insurance Development & Countermeasures

改革开放以来我国保险业发展迅速，但面临的问题和挑战随着改革的深入日渐显露。从宏观角度看，我国保险法制不健全，国民保险意识薄弱，保险税赋过高等．从微观角度，保险公司经营手段落后，运作不规范，人才缺乏．针对这些问题，国家要完善法制建设，加强监管，减轻保险公司税赋。保险公司则要加强业务创新，拓宽资金运用渠道，转换经营机制，大力推进电子化建设，从而促进保险业的蓬勃发展．

China's insurance has achieved rapid development since the adoption of reforming and opening-up policy, but in the meantime, is confronted with new problems and challenges. This paper offers the analyses of the problems including imperfect laws, weak insurance consciousness, heavy duty, low-effciency management, non-standard operation, lack of expertises. To tackle thesc problems, the govemment should enhance surveillance by enacting effective laws and regulations and reducing taxes on insurance. Meanwhile, the insurance enterprises should strengthen product innovation, capital utilization and transfer of operational mechanism and promote network insurance.