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当前,保险业的发展还存在不少问题:一是保险市场主体不规范。主要表现是:保险企业由政府或银行参股,有的还挂靠地方政府,没有真正实现企业化。有些行政机关、部门擅自办保险,政企不分,非法参与市场竞争。社会保险与人身保险界限不清,各保险机构各行其事,混淆不同性质的保险。二是市场主体关系不协调。主要表现是:保险市场竞争处于初级阶段,保险企业之间以竞相降低保险费率、支付高额手续费争夺业务,保险企业之间缺乏协调关系和自律机制。三是保险监督机构宏观调控乏力,保险市场处于“有法不依,无法可依”的境地。表现在保险企业经营中过多的依靠行政力量,甚至违背经济规律,违反保险自愿原则强迫客户投保。
At present, there are still many problems in the development of the insurance industry. First, the main body of the insurance market is not standardized. The main performance is: insurance companies by the government or bank shares, some also affiliated local governments, not truly enterprise. Some administrative organs and departments do insurance arbitrarily, regardless of the level of government and enterprises, and illegally participate in market competition. Social insurance and personal insurance are not clear-cut boundaries. The insurance agencies act on their own to confuse different types of insurance. Second, the relationship between market players is not coordinated. The main performance is: the insurance market competition is in its infancy, the insurance companies competing to reduce premium rates, payment of high fees compete for business, lack of coordination between the insurance companies and self-regulatory mechanisms. Third, the macro-control of the insurance supervision agencies is weak, and the insurance market is in a position where “there is no law and no law can be followed”. Performance in the insurance business too much rely on administrative power, or even contrary to economic laws, in violation of the voluntary insurance policy forced customers to insure.