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《保险法》修正案经九届人大常委会第三十次会议于10月28日表决通过,并将于明年1月1日正式实施。对这一重大举措,业界也有不同的声音,较为集中的是认为该修正案没有显示出预想的“重大突破”;在保险业打开多渠道投资、实现财险寿险混业经营等方面“不够大胆”。但冷静分析就会发现,该修正案强化了保险法在监督和规范以及行业风险的控制等方面的功能,而这正是当前保险业发展的迫切需求。 20多年来中国保险业的发展成就是有目共睹的。但也应该清醒认识到,真正市场意义上的发展还只是近几年才开始。而据不完全统计,截止到目前,我国保险机构资金运用余额却已逼近5000亿元。这就暗示着保险业面对着一个巨大的发展矛盾:一方面保险业还处在不成熟阶段,缺乏市场经验;另一方面它又高速发展成了一个资金庞大的市场。这其中隐藏的风险可想而知,一个具体表现就是中国保监会去年以来已接连十多次下达行业专项治理通知。
The “Insurance Law” Amendment passed the thirtieth meeting of the Ninth NPC Standing Committee passed on October 28 and will be formally implemented on January 1 next year. In this major move, the industry also has different voices. The more concentrated one is that the amendment does not show the “major breakthrough” expected. In terms of opening up multi-channel investment in the insurance industry and realizing the management of the mixed life and property insurance business, ". However, a calm analysis shows that the amendment strengthens the functions of insurance law in supervision and regulation as well as control of industrial risks, which are the immediate needs of the current insurance industry. The achievements of the insurance industry in China for more than two decades are obvious to all. However, we should also be soberly aware that the real market development has only begun in recent years. According to incomplete statistics, up to now, the balance of funds used by China’s insurance institutions has approached 500 billion yuan. This implies that the insurance industry is facing a huge development contradiction: on the one hand the insurance industry is still in an immature stage and lacks market experience; on the other hand, it has rapidly developed into a huge capital market. One of the hidden risks can be imagined, a specific performance is that China Insurance Regulatory Commission has issued more than 10 times since last year, industry-specific governance notice.