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国际上把保险业分为寿险和非寿险两大类,由此可见寿险的重要性。近20多年的发展使我国寿险业进入了一个崭新的局面,尤其是正式加入WTO后更是取得了举世瞩目的成绩。现阶段我国面临着巨额的银行贷款,居民储蓄居高不下,非储蓄业金融机构占的比重偏低,三步走战略中当人均GDP超过1000美元时正是寿险业迅速发展时期,研究寿险业的需求及如何发展有重大意义。
The international insurance industry is divided into two categories of life insurance and non-life insurance, which shows the importance of life insurance. The development in the past 20 years has led China’s life insurance industry to a brand-new situation, especially after its formal accession to the WTO has made remarkable achievements. At this stage, China faces a huge amount of bank loans, with high household savings and a low proportion of non-savings financial institutions. When the per capita GDP exceeds US $ 1,000 in the three-step strategy, it is the period of rapid growth in the life insurance industry. The needs and how to develop have great significance.