随着我国改革开放的深入和社会主义市场经济体制的确立、发展,保险业如何走向市场、走向世界,置身于国际同行业竞争的大环境之中求得繁荣,是摆在保险界同仁面前的一个重大课题.我国的保险业从一开始就带有很浓的计划经济痕迹.如同其他行业一样,中国保险业对市场经济同样也是陌生的.然而,建立和完善保险市场,按照市场经济规律发展保险业务,已是势在必行,目前从严格意义上讲还没有形成真正的保险市场.其主要表现一是市场构造不完整,有接受风险的直接业务市场,却没有分散转嫁风险的再保险市场,目前我国还没有一家专业再保险公司;二是市场缺乏必要的中介组织,如代理人,经纪人、公估人等保险经营中介;三是国家对保险业的管理还相当软弱,保险法制不健全,竞争不公平,处无序状态.目前几家保险公司的业务竞争根本 With the deepening of China’s reform and opening up and the establishment and development of the socialist market economic system, how the insurance industry moves to the market, to the world and to prosperity in the international environment of competition in the same industry is faced by the colleagues in the insurance industry A major issue.China’s insurance industry from the very beginning with a trace of the planned economy.As in other industries, the Chinese insurance industry is also unfamiliar with the market economy.However, the establishment and improvement of the insurance market, in accordance with the laws of the market economy Insurance business is imperative now and in the strict sense of time it has not formed a real insurance market.The main performance of the insurance market is that its market structure is not complete and there is a risky direct business market but there is no reinsurance market diversifying the risk of diversion At present, there is not a professional reinsurance company in our country. Second, the market lacks the necessary intermediary organizations such as agents, brokers, public finders and other insurance intermediaries. Third, the state administration of the insurance industry is still rather weak and the insurance legal system is not perfect , Unfair competition, disorderly status.At present, several insurance companies business competition fundamentally