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保险市场的内涵一般可概括为保险交换关系的总和,它又可被认定为保险交换关系的载体,而从事保险交换业务的经营者自然就成为保险市场的主体。从发展市场经济的角度出发,构成保险市场的主体应该是能够按照商业原则自主经营保险业务,并实行自我积累、自负盈亏和自我发展的企业,其具体形式既可以是国家保险公司、相互保险公司,又可以采取股份制商业保险的企业模式。
The connotation of the insurance market can be summed up as the sum of the insurance exchange, which can be identified as the carrier of insurance exchange, and the insurance exchange business operators naturally become the main body of the insurance market. From the perspective of developing a market economy, the main body that forms the insurance market should be an enterprise that can operate its own insurance business in accordance with commercial principles and implement self-accumulation, self-financing and self-development. The specific form can be either a state insurance company, a mutual insurance company , But also take joint-stock commercial insurance business model.