中国保险业在近几年飞速发展,尤其在中国加入 WTO 之后.随着股份制保险公司的迅速崛起.一些国外保险公司纷纷抢滩中国.在北京上海等地设立办事处,而且人民生活水平和文化观念都在提高.这一切都在刺激着中国保险业的繁荣。但是.中国保险业发展中存在的总体水平低市场垄断程度高、国有保险公司体制落后和保险监管落后等弊病并没有得到有效地解决,反而有一种愈演愈烈的趋势.加之各保险公司的急功近利行为.正把中国保险业引向歧途。中国保险业的弊病目前.中国人寿保险股份有限公司、中国人民保险公司和中国平安保险股份有限公司都 China’s insurance industry has been developing rapidly in recent years, especially after China’s accession to the WTO. With the rapid rise of joint-stock insurance companies, a number of foreign insurance companies have taken to China one after another, setting up offices in Shanghai and other places in Beijing, and people’s living standards and cultural values Are all improving, all of which are stimulating the prosperity of China’s insurance industry. However, the overall low level of market monopoly in the development of China’s insurance industry is high, the drawbacks such as the backward system of state-owned insurance companies and oversight of insurance regulation have not been effectively solved. Instead, there is a growing trend, with the rapid success of insurance companies. Is leading China’s insurance industry astray. The shortcomings of China’s insurance industry At present, China Life Insurance Co., Ltd., People’s Insurance Company of China and China Ping An Insurance Co., Ltd. both