我国保险市场现状与对策分析摘 要中国保险业经过近 20 年的进展，走出了一条立足国内，面对世界的改革之路，取得了令人瞩目的成绩。但是，面对国内保险市场的不成熟与市场开放后来自国际保险大公司的竞争，中国保险业只有抓住机遇，深化改革，才能立于不败之地。中国自 1980 年恢复国内保险业务以来，保险业得到了迅速进展，产寿险的比例也发生了变化，转向寿险为主的格局。但也存在一些问题：财产保险的市场潜力挖掘不够，寿险公司的利差损较严重。因此，正确分析和认识中国保险市场状况及其走势，对法律规范中国保险市尝促进保险业的进展，均有重要的指导意义。在分析中国保险市场现状和问题的基础上，挖掘中国保险市场潜力的对策则成了关键。关 键 词中国保险市场；现状；存在的问题；对策AbstractSince 1980 China recovered the local insurance business, the insurance industry got the quick development, the comparison that produces the life insurance also took place the variety, changing direction the structure and form that the life insurance is main. But also exist some problems:The market potential excavation of the property insurance is not enough, the bad damage of the benefit of the life insurance company compare seriously.Therefore, the exactitude analyzes and knows the Chinese insurance market condition and its trends, to the Chinese insurance City of norm taste to promote the insurance industry develop, all have the important leading meaning. According to this, on the analytical Chinese insurance market present condition and foundation of problems, the counterplan that scoops out the Chinese insurance market potential then became the key. KeywordsChinese insurance market;Present condition;Problem of exist;Counterplan目 录绪论 -----------------------------------------------------------------------------------------41 中国保险市场现状及构成1．1 中国保险业规模的进展及其变化 -------------------------------------------------------41．2 中国保险市场主体的进展和构成 -----...
