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北京工商大学学报(社会科学版)摇 摇 摇 摇 2020 年摇 第 2 期

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Review and Prospect on Development of China蒺s
Insurance Industry Since the Reform and Opening鄄up

1 2
WANG Xujin & WANG Haofan
(1. Insurance Research Center, Beijing Technology and Business University, Beijing 100048, China;
2. Department of E鄄commerce, PICC Health Insurance Company Limited, Beijing 100032, China)

Abstract: China蒺s insurance industry has developed rapidly since the reform and opening up. During the course of 40 years,
it has roughly gone through four stages: recovery and preparation, standardization and piloting, rapid development and WTO com鄄
mitment fulfillment, and full opening up. It has made series of achievements: continuous expansion of insurance premium scale,
gradual formation of diversification of insurance entities, gradually increase in market share of foreign insurance company entities,
continuous diversification of insurance products, rapid development of insurance intermediary market, gradual improvement in
corporate governance and industry self鄄discipline, etc. During the period, insurance market mainly reveals 8 contradictions: con鄄
tradiction between supply and demand on the market, contradiction between scale priority and profit priority, contradiction be鄄
tween ownership vacancy and marketization operation, contradiction of market structure imbalance, contradiction of strong insur鄄
ance market and weak capital market, contradiction between business internationalization and strict supervision methods, contra鄄
diction between insurance market demand for talents and insufficient supply of talents, and mismatch between social insurance
and commercial life insurance. In the future, further reform and opening up will adapt to the newest change in social environment
and economic environment. Specifically speaking, great importance should be attached to the outlook including 12 aspects: the
quantification of open models, the market鄄based economic foundation, the integration of insurance awareness, the marketization
of terms and rates, the diversification of marketing channels, the superior quality of industrial structure, the professionalization of
insurance talents, the profitability of insurance investments, etc. Only with the deepening reform and the accelerating opening
up, will China move forward to become an insurance power from a big insurance nation.
Key Words: insurance industry; reform and opening鄄up; development process; principal contradiction; economic and so鄄
cial change; retrospect and prospect

(本文责编摇 王沈南)

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