摘 要加入世界贸易组织十多年来，随着中国对外开放水平的不断提高，我国保险业发展势头强劲，逐渐取消了外资保险公司进入我国保险行业的限制。随着我国保险业发展与国际保险市场的联系更加紧密，市场竞争国际化趋势日趋明显。但当前我国保险业仍处在发展的初级阶段，外资保险公司对我国保险业的发展在发挥促进作用的同时，也存在不利影响，对我国保险业形成冲击。要做大做强中国特色保险业，使中国保险业又快又好发展，必须采取有效措施，积极化解外资保险公司对我国保险业发展的不利影响。解决我国保险业整体发展水平与经济社会不相适应的问题，发挥保险的经济助推器和社会稳定器作用，建设和谐社会必须制定对策。本文首先对中国保险业的现状进行分析，接着总结分析了外资保险公司对国内保险业的机遇与挑战，最后从稳固自身地位，提高自身能力、注重人才培养和技术管理、加强对外资保险保险公司的监管，严格审批三个方面提出优化对策以期促进我国保险业健康有序发展。关键词：外资 保险业 对策AbstractOver the past ten years since China's entry into the wto, with the continuous improvement of China's opening up to the outside world, the development momentum of China's insurance industry has been strong, and the restrictions on foreign insurance companies to enter China's insurance industry have been gradually lifted. With the development of China's insurance industry and the international insurance market more closely, the internationalization of market competition is becoming more and more obvious. However, at present, China's insurance industry is still in the primary stage of development, and foreign insurance companies play a role in promoting the development of China's insurance industry, but at the same time, there are adverse effects on China's insurance industry. In order to make the insurance industry with Chinese characteristics bigger and stronger, and to ensure the fast and sound development of the insurance industry in China, we must take effective measures to actively defus...
