保险改革是我国90年代金融改革的重要组成部分,它涉及保险业整体的结构性的改革与调整,其中,保险市场的形成与培育是这项改革的重点。因而,有无市场、市场的作用如何,在很大程度上事关成败;而市场的规范更是当务之急,可以说规范化的制度和管理,其意义和影响绝不逊于保险改革本身。 Insurance reform is an important part of China’s financial reform in the 1990s. It involves the structural reform and adjustment of the insurance industry as a whole. The formation and cultivation of the insurance market is the focus of this reform. Therefore, the existence of the market and the role of the market is largely a matter of success or failure. The norms of the market are even more urgent. It can be said that the standardized system and management have no less than the significance and impact of insurance reform in itself.