摘要
中国的金融自由化始于1993年,但保险业于1992年率先对外开放,陆续大量引进外资公司,对稚嫩的中资保险公司是一场严峻考验。中资保险在本土迎接强悍的外资公司挑战,拼搏过程是惨烈的,但拼搏结果是令人欣喜的,国内金融自由化进程促进了我国保险业快速发展。中国保险业引领着国内金融自由化发展方向,并为国内金融自由化中做出了卓越贡献:担当国内金融市场开放领头羊职责,建立健全了中国保险市场体系,释缓了政府与企业财政负担,改变了国民风险管理意识,普及了保险理念。然而,在金融自由化进程中,保险业在偏重投资型产品与保护消费者利益方面尚须进一步修正。
Financial deregulation started from 1993 in China, but the insurance industry was opened to foreign participation in 1992. Continuous advent of foreign insurers posed serious challenges to still young Chinese insurers. The process of taking up challenges of foreign insurers is fraught of difficulties, but the result is heartening. China＇ s financial deregulation has enhanced growth of the insurance industry. And in return, the insurance industry led the path of financial deregulation, and contributed significantly to it. Acting as the leader of financial opening-up,the insurance industry has established a complete market system, released government and enterprises of their financial burden, changed people＇s risk awareness, and popularized insurance knowledge. However, part of the insurance industry＇s preference for investment type of products and their sense of responsibility on safeguarding consumer interests should be further modified.
出处
《保险研究》
CSSCI
北大核心
2008年第12期22-29,共8页
Insurance Studies
基金
江西省高校人文社会科学研究项目项目码:02132017
关键词
保险业
银行证券业
金融自由化
中资保险公司
the insurance industry
the banking and securities industries
financial deregulation
Chinese insurance companies
