一、構建保險公司市場退出制度的必要性(一)保險業面臨著機遇與挑戰當前中國的保險行業保持了平穩、健康、快速的發展,保費收入呈現出高水平增長,保險市場主體的數量也穩步增加。2012年保險行業全年保費收入1.55萬億元,同比增長8%;保險市場中保險公司有168家,其中外資保險公司54家。追溯中國保險行業發展之初始,中國首家國有保險公司——中國人民保險公司自1949年10月20日在北京成立,之後三十餘年間 I. The Necessity of Establishing a Market Exit System for Insurance Companies (I) Insurance Industry Is Faced with Opportunities and Challenges At present, the insurance industry in China has maintained a steady, healthy and rapid development with premium income showing a high level of growth. The number of insurance market players Steadily increased. In 2012, the annual premium income of the insurance industry was 1.55 trillion yuan, up 8% over the same period of the previous year; there were 168 insurance companies in the insurance market, including 54 foreign-funded insurance companies. Tracing back to the beginning of the development of China’s insurance industry, China’s first state-owned insurance company, PICC, was established in Beijing on October 20, 1949, and for more than 30 years