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2009年以来,我国寿险业认真贯彻落实中国保监会提出的“防风险、调结构、稳增长”的战略要求,在业务结构调整方面进行了积极探索和深入实践,并且取得了初步成效,也带来了丰厚的经济效益和社会效益。实践证明,科学合理的业务结构有助于推动寿险公司增长方式向内涵式发展转变,有利于保险公司在金融危机冲击中度过难关,有利于行业核心竞争能力的不断提升。但从目前结构调整过程中显现出来的种种问题来看,寿险行业转型增效任务仍然十分艰巨,结构调整任重而道远。
Since 2009, China’s life insurance industry has conscientiously implemented the strategic requirements of “preventing risks, adjusting structure and steady growth” put forward by the CIRC, actively explored and deepened its practice in business restructuring, and achieved initial success as well Has brought huge economic and social benefits. Practice has proved that a scientific and rational business structure helps to promote the growth mode of life insurance companies to a connotative development shift, which is conducive to the insurance companies in the financial crisis to tide over the difficulties, is conducive to the industry’s core competitiveness continues to improve. However, judging from the various problems that have emerged in the process of structural adjustment, the task of transformation and efficiency in the life insurance industry is still very arduous. The structural adjustment has a long way to go.