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近年来保险业在转变发展方式方面进行了积极探索和努力,全行业的发展理念、发展结构、防范化解风险能力发生了显著变化,但还存在一些影响保险业进一步转变发展方式的制约因素,保险业要进一步明确方向和任务,促进行业发展加快向内涵式增长转变、向差异化竞争转变、向和谐利用资源转变,以加快提升综合协调发展能力。保险业加快转变发展方式需要正确处理好城市保险市场与农村保险市场的关系、正确处理好保障型产品和理财型产品的关系、正确处理好大型保险公司与中小保险公司的关系。
In recent years, the insurance industry has made active exploration and efforts in transforming its mode of development. Significant changes have taken place in the industry’s development philosophy, development structure and ability to prevent and mitigate risks. However, there are still some constraints that affect the insurance industry in further transforming its mode of development. Insurance Industry to further clarify the direction and tasks to promote the development of the industry to speed up the shift to the connotation of growth, change to differentiated competition, to the harmonious use of resources to speed up the promotion of comprehensive and coordinated development. To accelerate the transformation of the development mode of the insurance industry, we need to correctly handle the relationship between the urban insurance market and the rural insurance market, correctly handle the relationship between the guaranteed products and wealth management products, and correctly handle the relationship between the large insurance companies and the small and medium-sized insurance companies.