处于世纪之交的中国保险业在乐观人士看来是本世纪最后一个未开垦的大市场,即使按目前发展速度看,2000年市场容量也在2,500亿人民币;在谨慎人士看来,市场主体的多元化和外资机构的市场准入则使国内保险企业面临内忧外患。本文从国际比较出发,对我国保险业存在的十个问题进行了实证分析。 问题一:市场发育程度较低 At the turn of the century, China’s insurance industry appears to optimists as the last big untapped market in this century. Even at the current pace of development, the market capacity in 2000 will have remained at 250 billion yuan. In the opinion of the cautionists, Diversification and market access by foreign-funded institutions expose domestic insurance companies to internal and external disasters. Based on the international comparison, this paper makes an empirical analysis of ten problems in China’s insurance industry. One problem: a lower degree of market development