浅述我国保险业发展历程和现状

Brief description of development course and present situation of insurance industry in China

保险是金融业的主要组成部分,是风险管理的基本手段,在经济社会中具有重要作用。本文梳理了我国保险业在1979年改革复苏后,经历的逐步恢复、快速扩张、松绑创新和规范发展四个重要阶段,并从六个方面对保险行业的现状进行了阐述分析,以帮助行业人员了解我国保险业的发展历程,更加全面地理解保险在防范风险中的深刻内涵。

Insurance is a major part of the financial industry.It is the basic means of risk management with an important role in the economic society.Four important stages of Chinese insurance industry since reform recovery in 1979 are sorted in the paper,including gradual restoration,rapid expansion,loose innovation and standard development.The present situation of insurance industry is described and analyzed from four aspects,thereby assisting industry personnel to understand the development course of insurance industry in China,thereby gaining a more comprehensive understanding of profound connotation of insurancein preventing risks.