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中国的保险市场必须对外开放已经成为共识,而加入WTO使对外开放这一过程更加程序化、制度化。综观加入WTO后一年来的中国保险市场,其变化是全方位的。 WTO演绎中国保险市场新一轮的发展格局 伴随着中国加入WTO,中国内地保险业呈现出前所未有的繁荣局面。2002年上半年保费收入1612.3亿元,完成2001年全年保费收入的76.37％,同比增长57.7％。在全部保费中,人身险保费与财产险保费收入之比为73.6:26.4;其中人身险保费收入1186.8亿元,同比增长84.5％,财产险保费收入为425.5亿元,同比增长12.2％（近三年具体数据见表1）。产寿险差距越来越大有着深刻的经济原因。由于各项社会保障制度、医疗体制改革的深入,人身险等险种需求不断扩张,以及各种新险
China’s insurance market must be open to the outside world has become a consensus, and accession to the WTO so that the process of opening up more procedural and institutionalized. Looking at the Chinese insurance market a year after China’s accession to the WTO, the changes are comprehensive. WTO Demonstrates a New Round of Development in China’s Insurance Market With China’s accession to the WTO, the insurance industry in Mainland China has shown unprecedented prosperity. In the first half of 2002, premium income reached 161.23 billion yuan, accounting for 76.37% of the total premium income of 2001, an increase of 57.7% over the same period of last year. Among all the premiums, the ratio of life insurance premium to property insurance premium income was 73.6: 26.4, of which personal health insurance premium income was 118.68 billion yuan, an increase of 84.5% over the same period of last year. Property insurance premium income was 42.55 billion yuan, up 12.2% The specific data in Table 1). Increasing the gap between the production and life insurance has profound economic reasons. Due to various social security systems, the deepening of the medical system reform, the continual expansion of personal insurance and other insurance needs, as well as various new risks