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众所周知,保险业与银行业、证券业、信托业并称现代金融的四大支柱,彼此之间的关系既不是相互取代,也并非完全对立,而是各自作为一种经济手段在现实生活中发挥着自己的作用。目前,我国的保险业之所以没有银行业那样“风光”,没有证券业那样“火爆”,究其原因,主要是人们对保险业还缺乏了解,保险行为尚缺乏法律规范。可以预见,随着我国加入世界贸易组织、外资保险公司大量进入以及更多的保险公司涉足资本市场,保险业务领域竞争将越来越激烈。有鉴于此,用法律手段规范保险市场成为当务之急,而其中的首要任务就是认清保险业及保险法在整个法律体系中
As we all know, the insurance industry and banking industry, the securities industry and the trust industry, which claim to be the four pillars of modern finance, are neither mutually replacing nor completely antagonistic, but each exert itself as an economic measure in real life With their own role. At present, the reason why the insurance industry in our country does not have such “scenery” as the banking industry and there is no “hot” securities in the securities industry is mainly due to the lack of understanding of the insurance industry and the lack of legal norms in the insurance industry. It is foreseeable that as China joins the World Trade Organization, foreign insurance companies enter in large numbers and more insurance companies get involved in the capital market, competition in the insurance business sector will become increasingly fierce. In view of this, the legal means to regulate the insurance market has become a top priority, and one of the most important task is to recognize the insurance industry and insurance law in the entire legal system