1998年的金融危机给俄罗斯金融行业带来很大冲击,银行遭受重创,保险市场相对萎缩。近年来,随着俄经济结构改革力度加大,投资和经营环境逐步改善,以及入世谈判进程加快,俄金融市场面临前所未有的机遇和挑战,尚处于起步阶段的保险市场正经受更大的考验。为保护本国保险市场,增强 The financial crisis of 1998 brought a great impact on the Russian financial sector. Banks suffered heavy losses and the insurance market shrank relatively. In recent years, the insurance market in its infancy is experiencing greater challenges with the reform of the economic structure in Russia, the gradual improvement of the investment and business environment, and the accelerated progress of the negotiations on accession to the WTO. The financial market in Russia is facing unprecedented opportunities and challenges. To protect the national insurance market, enhanced