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同其它经济领域事物一样,保险市场的存在和发展也是由供给和需求两方面因素相互作用决定的。在保险市场上,作为需求方的投保人有着对保险保障的迫切要求,而作为供应方的保险人能够适时地提供满足其需求的保险产品,这是一个保险市场健康发展的基本标志,我国保险市场发育较晚,市场机制还有待完善。因此,对保险市场供求关系的研究有助于推动我国保险市场向健康轨道发展。一、保险业务恢复初期的市场供求状况自七十年代末我国全面恢复保险业务至今,我国保险市场的供求发生巨大变化,改革开放以前,由于计划经济体制的束缚,我国保险事业一片空白,社会
As with other economic fields, the existence and development of the insurance market are also determined by the interaction of supply and demand. In the insurance market, the insured person as the demand side has the urgent requirement for the insurance protection, and the insurer as the supplier side can provide the insurance products satisfying the demand timely, which is a basic symbol of the healthy development of the insurance market. Our country insurance Market development is late, the market mechanism remains to be improved. Therefore, the research on the relationship between supply and demand in the insurance market will help to promote the development of China’s insurance market to a healthy track. First, the supply and demand in the initial stage of the recovery of insurance business Since the late 1970s, China has fully restored its insurance business so far. The supply and demand of the insurance market in our country has undergone tremendous changes. Before the reform and opening up, due to the shackles of the planned economic system, the insurance industry in our country was a blank.