自８０年代实施改革开放政策以来，我国保险业取得了长足的发展，具体表现在已形成了具有初步规模、有众多保险主体从事经营活动、保险消费水平逐年上升的产、寿险市场。如何形成有序竞争的市场机制是整个保险界当前需要深入研究的课题之一，更是保险监管部门的一项长期任... Since the implementation of the policy of reform and opening up in the 1980s, China’s insurance industry has made great strides in development. The concrete manifestation is that a market for the production and life insurance has been formed with a preliminary scale, a large number of insurance entities engaged in business activities, and an increasingly high level of insurance consumption. How to form an orderly competition market mechanism is one of the topics that the entire insurance industry needs to study in depth nowadays and it is also a long-term policy of the insurance regulatory department ...