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根据我国第十个五年计划经济和社会发展的主要目标,我国保险监管部门对我国未来五年保险业发展的整体定位是:大体形成一个经营主体多元化、运营机制市场化、经营方式集约化、政府监管法制化、从业人员专业化、行业发展国际化的具有中国特色的保险市场框架。同时,根据专家预测,21世纪最初几年我国保险业将以12%的年均增长速度发展。到2005年末,中国保险费总收入预计可达到2800亿元左右,保险费收入将占国内生产总值的2.3%,全国人口平均人均保费230兀。保险市场化改革是我国金融体制改革的一部分,保险费率市场化将构成我国保险业深化改革的核心内容。它包括经营多元化、保险费率市场化、保险产品多样化等多方面的改革。
According to the key objectives of economic and social development in the 10th Five-Year Plan of our country, the overall positioning of China’s insurance regulatory authorities in the development of the insurance industry in the coming five years is as follows: a general formation of a diversified operating body, market-oriented operating mechanism and intensification of operating modes , The government regulates the legal system, the professionalization of employees, the internationalization of the industry and the insurance market framework with Chinese characteristics. At the same time, according to experts’ forecast, the insurance industry in our country will grow at an average annual rate of 12% in the first few years of the 21st century. By the end of 2005, China’s total premium income is estimated to reach 280 billion yuan, premium income will account for 2.3% of GDP, the national average per capita premium 230 Wu. Market-oriented insurance reform is a part of China’s financial system reform. The marketization of insurance premium rates will form the core of the deepening reform in China’s insurance industry. It includes diversification of management, marketization of premium rates, diversification of insurance products and many other reforms.