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据金融部门的最新统计，目前我国城乡居民储蓄存款已突破６万亿元大关。尽管利率６次下调，个人存款增势却仍然不减。客观地说，这为寿险的快速扩张带来了难得的机遇。事实上寿险市场１９９６～１９９７年连续高速增长后，１９９８年以来，一直处于中位调整，那么制约寿险市场?
According to the latest statistics from the financial sector, at present, the savings deposits of urban and rural residents in China have exceeded the 6 trillion yuan mark. Despite the cut in interest rates six times, personal savings growth has not diminished. Objectively speaking, this presents a rare opportunity for the rapid expansion of life insurance. In fact, after the continuous high-speed growth of the life insurance market from 1996 to 1997, it has been in a mid-range adjustment since 1998, so is the life insurance market restricted?