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保险作为一种经济补偿手段和社会产品再分配的特殊方式,与银行业、证券业一起构成了现代金融的三大支柱。在我国保险业规模不断扩张的背后,隐藏着一些制约保险业长远发展的因素。文章结合我国保险业发展现状,初步探索了保险业未来发展的策略。一、我国保险业的发展现状我国自1980年恢复国内保险业务以来,保险业得到了很大的发展。1980年,中国保险业保费收入为6.4亿元,到2004年,保费收入已达到4318.1亿元。保险公司总资产为1.18万亿元,市场主体达到77家。1999年到2003年,我国保险业进入了增长的高峰期,保费收
As a special means of economic compensation and redistribution of social products, insurance forms the three pillars of modern finance together with banking and securities. Behind the continuous expansion of the insurance industry in our country, there are some hidden factors that restrict the long-term development of the insurance industry. The paper preliminarily explores the strategy of the future development of the insurance industry in light of the development of China’s insurance industry. First, the development of China’s insurance industry Since the restoration of China’s domestic insurance business in 1980, the insurance industry has been greatly developed. In 1980, China’s insurance premium income was 640 million yuan. By 2004, premium income had reached 431.81 billion yuan. The total assets of the insurance company was 1.18 trillion yuan, with 77 main market players. From 1999 to 2003, China’s insurance industry entered the peak of growth with premiums received