发展中国家保险市场正处于快速增长阶段 ,是世界最具发展潜力的新兴市场 ,但与发达国家相比 ,其保费收入规模占世界市场份额比例偏小 ,与其所拥有的人口和经济总量不相称。在经济全球化的大背景下 ,发展中国家保险业将面临发达国家跨国保险公司的严重冲击 ,发展中国家应尽快提高保险监管的能力和水平 ,加快保险创新 ,大力培养保险人才 ,以保持保险业的协调和快速发展 The insurance market in developing countries is in a period of rapid growth and is the emerging market with the most potential for development in the world. However, compared with developed countries, the proportion of its premium income in the world market is small and its population and total economic output are not Commensurate. Under the background of economic globalization, the insurance industry in developing countries will face the serious impact of multinational insurance companies in developed countries. Developing countries should improve the ability and level of insurance supervision as soon as possible, speed up insurance innovation and vigorously train insurance talents so as to maintain insurance Industry coordination and rapid development