国有保险公司现行体制不健全 ,产权关系模糊 ,缺乏利益机制的驱动 ,导致公司经营效率低下 ,缺乏发展动力。应深化体制改革 ,实行股份制改造。其基本思路是 :设立国有保险控股公司 ;清产核资 ,摸清家底 ,消化利差损 ,剥离不良资产 ;定向募集法人股 ,并让外资保险公司参与合资参股 ,设立有限责任公司 ;国有保险公司股份制改造必须采取国家控股的格局 ;国有保险公司股份制改造要达到的目标是建立股份有限公司 The existing system of state-owned insurance companies is not sound, the relationship between property rights is fuzzy, the lack of interest-driven mechanism, leading to inefficient management of the company, the lack of driving force for development. The reform of the system should be deepened and the shareholding system reform should be implemented. The basic idea is: the establishment of state-owned insurance holding company; clear capital verification, find out the bottom, digest losses, divest non-performing assets; directional raise legal person shares and foreign insurance companies to participate in joint-equity participation, the establishment of a limited liability company; Transformation must take the pattern of state-controlled shares; the objective of the shareholding system reform of state-owned insurance companies is to establish a joint stock limited company