浅析我国保险业发展面临的问题及对策

通过对我国保险业在发展过程中面临的市场体系不够完善、违规经营突出；业务发展水平低下，经营方式粗放；内部控制薄弱，央行监管力度不够；风险防范意识缺乏和不够重视等问题的分析，提出了完善和发展保险市场，建立与社会主义市场经济相适应的保险体系；分离央行保险职能，成立独立的国家保险监管机构；健全内部控制机制，提高保险资金营运的质量和效益；完善法制，加强监管，努力防范保险风险等一系列的政策建议和措施

An Analysis of the Problems in the Development of China's Insurance Industry and Our Countermeasures

The article analyses problems in the development of China's insurance industry,such as incomplete market system and illegal operation,low vocational level and extensive management,weak internal control and insufficient supervision from the central bank,lack of the awareness of preventing risks.It also offers a series of political proposals and measures to develop and improve insurance market,to establish insurance system suitable to the socialist market economy,to keep the central bank out of insurance industry,to set up national independent insurance supervision and management organization,to perfect internal control system,to raise the operating quality and efficiency of the premium,to improve the legal system and strengthen supervision to prevent the risks in insurance.