在中国加入WTO三年后,中国保险业将于今年年底全面开放。由此,外资保险公司在中国的发展又将有新的变化。中国的改革开放已经走过了二十多年的历史,外资的进入不断改变着中国市场经济发展的进程。同样,作为金融服务业的中国保险业,也在对外开放中快速发展。今年12月11日后,中国保险业将全部开放。这意味着外资增长在中国保险业增长中所占份额将越来越大,同时,国际资本集团在中国保险业投资的方式和特征也会发生改变。分析人士认为,保险业大门全部开启后,外资在中国保险市场上将凸显五大特征。从合资合作走向独资或控股由于合资双方在利益和文化上的差异,加之对中国市场由陌生到熟悉,政策环境由紧到松,跨国公司现在更倾向于建立独资企业,或者通过增资扩股在合资企业中取得控股权,以便分享跨国公司的全球供应链、知识库等战略资 Three years after China’s accession to the WTO, China’s insurance industry will be fully liberalized by the end of this year. As a result, there will be new changes in the development of foreign-funded insurance companies in China. China’s reform and opening up has gone through more than two decades of history. The entry of foreign capital has continuously changed the course of China’s market economy. Similarly, China’s insurance industry, as a financial services industry, is also developing rapidly in its opening up. After December 11 this year, China’s insurance industry will be fully open. This means that the growth of foreign investment in China’s insurance industry will take an increasing share of the same time, the international capital groups in China’s insurance industry investment patterns and characteristics will change. Analysts believe that after the insurance industry is fully open, foreign investment will highlight five major features in the Chinese insurance market. From Joint Venture to Sole Proprietorship or Holding Owing to the differences in interests and cultures between the joint ventures and the unfamiliar and familiar market environment in China, multinationals are now more inclined to establish wholly-owned enterprises or increase their shareholdings Joint ventures to obtain controlling stake in order to share the global multinational supply chain, knowledge base and other strategic assets