前言我国保险业大致经历了三个阶段,国家保险时期(1949-1979 年),恢复和发展时期(1979-1988年)与保险市场改革和保险业快速发展时期(1988年至今)。经过第三阶段的高速发展,保险业取得了长足的进步,市场规模不断扩大,结构趋于合理。中国加入 WTO后,保险业也将继续扩大开放。可是,我国保险业也因这些改变而面临了前所未有的挑战。 Preface China’s insurance industry has gone through roughly three phases: the national insurance period (1949-1979), the recovery and development period (1979-1988), the insurance market reform and the rapid development of the insurance industry (1988-present). After the rapid development of the third stage, the insurance industry has made great strides, the market size has been expanding and the structure has become more reasonable. After China joins the WTO, the insurance industry will also continue to expand its opening up. However, our insurance industry has also faced unprecedented challenges due to these changes.