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2008年,国内与国际经济形势发生了巨大的变化,给我国保险业的发展带来了巨大的挑战。回眸2008,中国保险市场呈现如下特征:寿险快速增长,产险增长自然回落;天灾彰显了保险的保障功能,巨灾风险应对机制有待建立;国内资本市场的波动给保险资金运用带来严峻挑战;国际金融危机对保险业产生深刻的影响;农村保险发展喜人,但深层次矛盾仍有待解决;保险监管进一步强化,但监管理念、体制与方法仍有待完善。
In 2008, the domestic and international economic situations have undergone tremendous changes, posing a huge challenge to the development of the insurance industry in our country. Looking back on 2008, China’s insurance market showed the following characteristics: the rapid growth in life insurance and the natural growth in property and casualty retreated; the natural disasters demonstrated the insurance function and the mechanism for coping with catastrophe risks needs to be established; the volatility in the domestic capital market poses a serious challenge to the use of insurance funds; The international financial crisis has had a profound impact on the insurance industry. The development of rural insurance is gratifying, but the deep-seated contradictions have yet to be resolved. Insurance regulation has been further strengthened, but the regulatory concepts, systems and methods still need to be improved.