一、全国及西北五省区保险业整体情况(一)全国保险行业快速发展保险业具有社会补偿、资金融通、社会管理功能。我国自1980年恢复保险业务以来,保险业保持快速发展态势,保险费收入年平均增长34%。2004年我国保险业实现保费收入4318.1亿元,同比增长11.3%;保险业全年赔付额增长19. I. Overall Insurance in the Whole Country and Five Provinces in Northwest China (I) Rapid Development of National Insurance Industry The insurance industry has social compensation, financial facilities and social management functions. Since China’s insurance business was resumed in 1980, the insurance industry has maintained a rapid growth momentum with an average annual growth of premium income of 34%. In 2004, China’s insurance industry realized premium income of 431.81 billion yuan, up 11.3% over the same period of last year; and the insurance industry paid an annual increase of 19%.