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21世纪以来,随着我国开放型经济的不断发展,我国保险市场开放已经成为社会经济发展中不可回避的事实,同时在我国经济产出与就业增长中,保险业发挥的作用越来越显著,保险服务的需求越来突出,由于我国保险服务的有效供给严重不足,再加上我国保险服务的有效需求严重匮乏,客观上严重制约了我国保险业的持续稳定快速发展,所以在当前经济形势下,如何能更好的实现保险服务供需平衡从而进一步我国保险业得高效增长,值得我们思考。本文中通过对当前我国保险服务及其供求状况进行分析,就此有针对性的从供需平衡的角度提出我国保险服务供给的相关优化建议。
Since the 21st century, with the continuous development of our open economy, the opening up of the insurance market in our country has become an unavoidable fact in the social and economic development. At the same time, the role played by the insurance industry has become more and more significant in the economic output and employment growth in our country. The demand for insurance services has become increasingly prominent. Due to the serious shortage of effective supply of insurance services in our country and the serious lack of effective demand for insurance services in our country, the sustained and rapid development of the insurance industry in our country has been severely restricted objectively. Therefore, under the current economic situation How to better balance the supply and demand of insurance services and further promote the efficient growth of China’s insurance industry is worth our consideration. In this paper, by analyzing the current insurance service in our country and its supply and demand situation, we put forward the relevant optimization suggestions of China’s insurance service supply in the light of the balance between supply and demand.