发展和完善社会主义市场经济体制的一个基本要求,就是建立公平、有序的竞争市场。作为商品经济产物的保险业,是市场经济体制的有机组成部分,更应严格遵循市场经济规律,在公平的竞争中求生存,在开放,有序的大市场中求发展。然而,纵观我国当前的保险市场状况,却严重地存在着混乱、无序的现象,突出地表现在以下几个方面: 竞争主体混乱。当前,随着我国对外开放的进一步扩大,外国的保险机构 A basic requirement for developing and improving the socialist market economic system is to establish a fair and orderly market for competition. As an insurance product of commodity economy, it is an organic part of the market economy system. It should strictly follow the laws of market economy, survive in fair competition and seek development in a large open and orderly market. However, looking at the current situation of China’s insurance market, there are serious chaos and disorder, which are highlighted in the following aspects: Confusion of competition subjects. At present, with the further expansion of China’s opening up, foreign insurance agencies