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一、问题的提出 随着国内保险市场的恢复及其开放程度的逐步增大,过去曾长期被压抑的保险需求在很大程度上已经得到释放,以保费收入所代表的业务发展速度也从恢复之初的超常飞跃逐渐减缓。尽管从目前来看,保险业的发展速度仍高于国民经济的增长幅度(1994年,全国保费收入比上年增长22.7％,比国内生产总值的增长速度高出近十一个百分点),保险市场的竞争已日趋激烈。许多人对目前我国保险市场的供需究竟处于什么状态产生疑问,到底是供过于求,需要对保险供给进行限制,还是供小于求,需要大力发展保险供给,怎样才能对保险市场的供需状况进行客观的分析和正确的判断,这已经成为摆在我们面前的现实性问题。对这个问题进行
First, the issue raised With the recovery of the domestic insurance market and its gradual increase in the degree of opening up, the long-suppressed pent-up demand for insurance has largely been released to the business represented by the premium income growth rate from recovery The extraordinary leap gradually slowed down. Although the pace of development of the insurance industry is still higher than that of the national economy at present (in 1994, the country’s premium income increased by 22.7% over the previous year and nearly 11 percentage points higher than the growth rate of the GDP) The competition in the insurance market has become increasingly fierce. Many people have doubts about the present state of supply and demand in the insurance market in our country. In the end is the problem of oversupply, the need to limit the supply of insurance or the supply of less than demand, the need to develop the insurance supply and how to objectively analyze the supply and demand in the insurance market? And the correct judgments, which have become the real issues before us. To this question