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入世对中国保险业产生了重大影响 ,保险业务持续快速发展 ;国有保险公司继续保持领先地位 ;市场主体多元化竞争格局逐步形成 ;保险中介机构发展迅速 ;保险法规环境日趋健全 ,保险监管重心转移。但也存在亟待解决的问题。目前 ,我国保险市场对外开放已经达到一定规模 ,在我国内地营业的 34家外资保险公司保费总收入达到 32亿元。我国稳定的经济增长速度和巨大的人口数量 ,将吸引越来越多的外资保险公司进入中国保险市场。当前正在进行的国有保险公司股份制改造 ,为外资公司的进入提供了千载难逢的时机。展望未来的中国保险市场 ,人身保险业务将继续保持快速发展势头 ,中外资保险公司竞争将进一步加剧 ,中国保险市场将进入分化和整合的新时期。
The accession to the WTO has had a significant impact on the insurance industry in China. The insurance business continued to develop rapidly. State-owned insurance companies continued to maintain their leading position. The diversified market players gradually formed their competitive landscape. The insurance intermediary agencies were developing rapidly. The insurance regulatory environment was getting better and the insurance regulatory center shifted. But there are also problems to be solved urgently. At present, the opening up of China’s insurance market has reached a certain scale. The total premium income of 34 foreign-funded insurance companies operating in the Mainland reached 3.2 billion yuan. China’s steady economic growth rate and huge population will attract more and more foreign-funded insurance companies to enter the Chinese insurance market. The ongoing reform of the shareholding system of state-owned insurance companies has provided a golden opportunity for foreign-funded companies to enter the country. Looking into the future of China’s insurance market, personal insurance business will continue to maintain its rapid growth momentum. The competition between Chinese and foreign insurance companies will further intensify. China’s insurance market will enter a new period of differentiation and integration.