一、保险市场对外开放的宏观环境及其变化 从90年代初,我国保险市场开始对外开放,这是我国进一步贯彻改革开放政策,适应国际经济发展趋势的必然步骤。 (一)全球经济一体化 从大环境来说,我国保险市场的对外开放是适应全球经济一体化的必然选择。另一方面全球经济一体使得金融保险混业经营趋势明显。金融领域银行、保险、证券等金融机构严格分 First, the macroscopic environment of the insurance market opening to the outside world and its changes From the early 1990s, China’s insurance market began to open to the outside world. This is an inevitable step for our country to further implement the policy of reform and opening up and to adapt to the trend of international economic development. (I) Global Economic Integration From a macro environment, the opening of China’s insurance market is an inevitable choice to adapt to the global economic integration. On the other hand, the global economy has made the trend of mixed financial and insurance businesses obvious. Financial institutions, banks, insurance, securities and other financial institutions strictly points