近 1 0年来 ,尽管部分发展中国家保险业的保费收入增长迅速 ,但发达国家保险业依然占据了全球保险市场 90%左右的市场份额.该文全面考察了 2 0世纪 90年代末期全球保险业的发展格局 ,并运用保险密度和保险深度两项指标分析了发展中国家与发达国家之间存在的差距 ,最后指出了全球保险业正在呈现的三大发展趋势.“,”In recent ten years,the developed countries still occupied about 90% of the global insurance market;although the gross premium income in some of the developing countries grew rapidly.This paper presents an overview on the structure of development of the global insurance industry later in last decades,and analyses the difference between the developed countries and the developing countries using the indexes of insurance densities and insurance penetration.Finally,it points out the three main trends of development of the global insurance industry.