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随着经济全球化的进程 ,世界保险业呈现出新的竞争格局 ,引发了新的市场争夺战。特别是我国入世后 ,保险业的大门进一步开放 ,国外保险公司对我国保险市场的影响越来越大。由于自身因素以及外来影响 ,使我国保险业的不确定因素增加 ,风险加大。为此 ,必须夯实我国保险业的安全基础 ,构筑我国保险业的安全体系。应根据入世承诺 ,分层次、有步骤地开放保险市场 ;深化保险体制改革 ,健全保险公司法人治理结构 ;完善“四位一体”的风险防范体系 ,编织保险业的监督网 ;遏制消费误导现象 ,建立保险业信用体系 ;统一保险保障基金 ,建立和完善市场退出机制
With the process of economic globalization, the world insurance industry has shown a new competitive landscape, triggering a new market war. Especially after China’s accession to the WTO, the door of the insurance industry is further opened up. The influence of foreign insurance companies on China’s insurance market is growing. Owing to its own factors and external influences, the uncertainties in China’s insurance industry will increase and its risks will increase. Therefore, we must consolidate the safety foundation of our country’s insurance industry and construct the safety system of our country’s insurance industry. The insurance market should be opened in a hierarchical and step-by-step manner according to the WTO commitments. The insurance system reform should be deepened and the corporate governance structure of insurance companies should be perfected. The risk prevention system of the “four in one” should be perfected and the supervision network of the insurance industry should be woven. To curb the misleading phenomenon of consumption, Establishing a credit system for the insurance industry; Uniform insurance protection fund, establishing and improving a market exit mechanism