一、保险市场渐趋自由化、国际化过去几年来世界市场发生了急剧变化:私营化市场到处出现,特别是在拉美的智利、阿根廷、委内瑞拉及墨西哥等国家;此外,东欧、俄罗斯、中国、印度也相继开放市场,而中印俄三国人口占世界总数一半;北美自由贸易区协定的签订和欧共体的组成更为世界贸易提供广大市场和大好机会,这种变化通过商业贸易的开放、中产阶层的上升及保险经营的长期性间接地促进了保险市场的自由化。由于某些险种风险太大以致一国的国内保险市场难以独立承担,保险市场也开始呈现国际化趋势,如欧洲经济的一体化开始将保险企业从严格的价格和险种管制中“解放”出,允许它们进入其他欧洲国家保险市场开拓自己的业务。随着欧洲各国对价格竞争所 First, the liberalizing and internationalization of the insurance market has taken a drastic change in the world market over the past few years: the privatization market has emerged everywhere, especially in Latin America, Chile, Argentina, Venezuela and Mexico. In addition, the markets of Eastern Europe, Russia, China, India has also successively opened up the market while the population of China, India and Russia accounts for half of the total number of the world. The signing of the North American Free Trade Area Agreement and the composition of the European Community provide a vast market and great opportunities for world trade. This change, through the opening up of commercial trade, The rise of the middle class and the long-term insurance business have indirectly contributed to the liberalization of the insurance market. As the risks of certain types of insurance are so great that the domestic insurance market in a country can not be undertaken independently, the insurance market has begun to show an international trend. For example, the European economic integration began to “liberate” insurance companies from strict price and risk control, Allow them to enter the insurance market in other European countries to develop their own business. With the European countries on price competition