“地下保险”的成因境外保险公司在我国内地非法开展业务，早在1994年就已经开始，其主要活动区域集中在珠海、汕头、中山等城市以及泉州、石狮、晋江等沿海经济较发达的地区。非法开展业务的有香港和澳门地区的保险公司以及外国保险公司香港、澳门分公司。从目前掌握的情况看 Causes of “underground insurance” Overseas insurance companies started their businesses in China illegally as early as 1994, and their main areas of activity are concentrated in such cities as Zhuhai, Shantou and Zhongshan, as well as the more economically developed coastal areas such as Quanzhou, Shishi and Jinjiang . Illegal business in Hong Kong and Macao insurance companies and foreign insurance companies in Hong Kong and Macao branch. Judging from the current situation