商业保险及我国民族保险业现状及问题

保险是一个古老的范畴，近代保险事业是资本主义发展的产物.从世界范围来说，今后商业保险业的发展呈现出保费收入日益增长、保险深度和保险密度不断提高、市场集中度日趋上升、投资连接型产品发展迅速、银保相互渗透、电子化和互联网应用方兴未艾等特点.从1980年中国恢复商业保险以来，我国民族保险业取得了市场主体不断增加、保险资产规模扩大、保费收入、保险深度和保险密度持续增长、经营方式不断变化、法律法规体系建设不断完善等巨大成就，但同时中国保险业还存在着保险质量不高、保险业地位低、市场份额高度集中以及非正当竞争和信誉危机等问题.

Current Situation of Commercial Insurance and the National Insurance in China

Insurance is an old category,but insurance industry is the result of capitalist development.The commercial insurance shows some trends,i.e.,premium is increasing,insurance’s depth and density are improving,market concentration rate is rising,and relevant products develop fast and so on in the worldwide.Since China reestablished commercial insurance in 1980,our country’s national industry achieved great development,the number of market subject is increasing,insurance estate is expanding,and relevant laws is perfecting and so on.At the same time,there do still exist some problems,such as the low insurance quality,the low insurance’s social position,unfair competition,and reputation risk.