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2009年,国内与国际经济发展形势发生了巨大变化,给我国保险业的发展带来了巨大挑战。回眸2009,中国保险市场呈现如下发展特征:受益于政府的刺激政策和投资计划,产险保持较快增长;由于结构调整,寿险增长大幅回落;保险市场整体利润状况得到改善,但基础仍然脆弱;保险监管加强,但市场退出机制亟待完善;新《保险法》着力于保护消费者权益,但可能忽视了保险公司的民事权利;农业保险发展良好,但长效机制亟待建立。
In 2009, the situation of domestic and international economic development has undergone tremendous changes, bringing enormous challenges to the development of China’s insurance industry. Looking back on 2009, China’s insurance market showed the following characteristics of development: Benefit from the government’s stimulus policies and investment plans, property and casualty maintained a rapid growth; due to structural adjustment, the growth of life insurance dropped sharply; the overall profitability of the insurance market improved but the foundation remained fragile; However, the market exit mechanism needs to be improved urgently. The new Insurance Law focuses on the protection of consumers’ rights but may neglect the civil rights of insurance companies. The development of agricultural insurance is good but the long-term mechanism needs to be established urgently.