一、保险市场竞争的客观必然性我国保险业自1980年恢复以来,每年平均以30%左右的增长速度飞速发展,但同世界上一些国家和地区比较,我国保险业发展的广度和深度仍属后进水平。实际上,我国的保险业潜力很大,许多领域都尚未开发。在国外,保险市场竞争是十分激烈的。如美国,它是一个联邦制国家,对保险业实行联邦政府与各州政府双轨管理,各个州都设有“保险署”进行管理,并有各州的 I. Objective Necessity of Insurance Market Competition China’s insurance industry has enjoyed an average annual growth rate of 30% or so since its restoration in 1980. However, compared with some countries and regions in the world, the breadth and depth of the insurance industry in our country still lags behind Level. In fact, our insurance industry has great potential and many areas have not yet been developed. In foreign countries, the insurance market competition is very fierce. Such as the United States, which is a federal state, the federal government and state governments in the insurance industry implemented dual track management, each state has a “Insurance Agency” to manage, and states