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吴定富撰文指出,自1980年恢复国内保险业务以来,我国保费收入年均增长30%以上。2002年,我国保费收入增长达44.7%,保险资金运用余额达5799亿元,预计到“十五”期末,保险业可运用资金将超过1万亿元。在保险业快速发展的形势下,保费收入的快速增长与保险资金运用渠道狭窄之间的矛盾日益突出。深入研究保险市场与资本市场的有机结合、协调发展问题,已经成为当务之急。目前,我国的金融资源配置方式主要是通过银行业的间接融资来完成,保险对金融资源配置的功能没有得到充分发挥。2002
Wu Dingfu author pointed out that since the restoration of domestic insurance business in 1980, China’s premium income has increased by more than 30% annually. In 2002, China’s premium income increased by 44.7%, and the balance of insurance fund utilization reached 579.9 billion yuan. It is estimated that by the end of the “15th Five-Year Plan” period, the insurance fund will be used in excess of 1 trillion yuan. With the rapid development of the insurance industry, the contradiction between the rapid growth of premium income and the narrow use of insurance funds has become increasingly prominent. In-depth study of the organic integration of the insurance market and the capital market and the coordination of development issues have become urgent tasks. At present, the allocation of financial resources in our country is mainly done through indirect financing in the banking industry. The function of insurance on the allocation of financial resources has not been brought into full play. 2002