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目前我国保险产业正处于开发和深化的高增长阶段。2001年,全国保险公司年保费收入为2109亿元。从1997年至2001期间,全国保险公司年保费收入的年平均增长率达到18％。这一增长率远高于同期7％～8％的经济增长率。同一期间,保险公司的资产总量也从1725亿元增长到4591亿元,年均增长率达到将近28％。保险产业的高速发展将在市场扩容和机构投资理念形成等方面对我国资本市场产生深远影响。90年代以来,发达国家如美国的养老保险基金,人寿和财产保险基金占GDP的比例达到90％～150％,形成了一笔巨大的社会
At present, China’s insurance industry is in the stage of high-growth development and deepening. In 2001, the annual premium income of national insurance companies was 210.9 billion yuan. From 1997 to 2001, the average annual growth rate of annual premium income of national insurance companies reached 18%. This growth rate is much higher than the economic growth rate of 7% to 8% over the same period. During the same period, the total assets of insurance companies also increased from 172.5 billion yuan to 459.1 billion yuan, with an average annual growth rate of nearly 28%. The rapid development of the insurance industry will have a far-reaching impact on China’s capital market in terms of market expansion and the formation of institutional investment philosophy. Since the 1990s, the pension insurance funds, life insurance and property insurance funds in developed countries like the United States have reached 90% -150% of GDP, forming a huge society