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近年来,我国保险业虽然发展速度较快,但水平仍然较低,有总体规模小、在国民经济中比重低的先天不足,保险的经济补偿、资金融通、社会管理三大功能尚未充分发挥。当前我国保险业已经进入一个崭新的发展阶段,既面临着一些挑战,又面临着大好的发展机遇。保险业正朝着全球化、一体化和协调化的趋势发展,保险创新已成为发展的主流,科学技术的日新月异为保险业发展奠定了坚实基础。
In recent years, although the insurance industry in our country develops rapidly, its level is still relatively low, with its overall small size and low birth weight in the national economy. The three major functions of economic compensation, financial intermediation and social management of insurance have not yet been brought into full play. At present, China’s insurance industry has entered a new stage of development, facing not only some challenges but also great opportunities for development. The insurance industry is moving toward the trend of globalization, integration and coordination. Insurance innovation has become the mainstream of development. The rapid development of science and technology has laid a solid foundation for the development of the insurance industry.