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监管部门2004年之前严格限制保险牌照发放的所谓“保护民族保险业”的行为是理性的吗?然而中意却签下了200亿人民币的趸缴保单，形成了对中国团体寿险市场的占领。保险法、外资保险公司管理条例和公司法对于保险公司组织形式规定的空缺，都使得外资保险公司能够与具有垄断地位的大型内资企业结盟，通过设立合资保险公司反向冲击着民族保险业，以整体市场的公平竞争为代价，并树立了获取保险垄断资源和变相组建行业自保公司的榜样。 中国人寿和太平洋为“神州六号”宇航员提供高额人身意外伤害保险的行为是理性的吗?表面上看是表达了对国家航天事业的支持，但稍微深入一点考虑，非“同质可保体”有可能蚕食以“大数法则”积累起来的保险基金，是对其他同质被保险人的不公平。类似的典型案例是，伊拉克战争、东南亚地震期间赠送去往现场新闻
Is it rational for regulators to strictly limit the so-called “national insurance protection” issue issued by insurance licenses before 2004? However, Sino-Italian signed a 20 billion yuan single-installment policy and formed an occupation of the life insurance market for Chinese groups. Insurance Law, Regulations of Foreign-funded Insurance Companies, and Company Law The vacancy stipulated in the form of insurance companies enables foreign-funded insurance companies to form alliances with large domestic-funded enterprises and reversely impact the national insurance industry through the establishment of joint-venture insurance companies. As a result, Fair price competition in the market, and set an example for securing monopoly of insurance resources and forming a self-insured industry in disguise. Is it rational for China Life Insurance and the Pacific to provide high personal accident insurance to “Shenzhou VI” astronauts? It ostensibly expresses support for the national space undertaking, but with a little deeper consideration, non-homogeneity It is unfair to other homogeneous insured persons that the “preserving body” may encroach on the accumulated insurance fund with the “law of large numbers.” A typical example is similar to the war in Iraq, Southeast Asia during the earthquake donated to the scene news