说我国保险业面临内外忧患并夸大其辞,主要表现在保险公司目前潜在的偿付能力不足,保险公司的获利能力较弱,保险资金融资渠道不畅,缺乏收益保障等方面。并由此决定其抵御外来保险业的冲击能力差。尤其,我国加入 WTO 之后,保险业将遵守关于“市场准入”和“国民待遇”方面的规定,允许 That our country’s insurance industry is experiencing internal and external worries and exaggerated its performance is mainly reflected in the current insurers ’potential solvency insufficiency, insurers’ weak profitability, poor insurance financing channels and lack of income guarantee. And thus determine its ability to withstand the impact of foreign insurance poor. In particular, after China’s accession to the WTO, the insurance industry will comply with the provisions on “market access ” and “national treatment ”, allowing