一、加入WTO后国内保险市场经营环境的变化与发展状况 1.国内保险业务市场情况及发展前景 加入WTO以来,中国经济外部环境进一步改善,继续保持稳定的增长,与此同时,国内保险业务发展仍保持快速发展的势头。2003年全国保费收入.3380.4亿元,保费增加827.26亿元,增长27.1％,仍保持高增长的势头。同时,国内保险市场潜力巨大,2003年,我国保险深度为3.33％,比上年增长0.35％,保险密度为287.44元,比上年增长49.84元。2003年美国保险深度为9.58％,保险密度为3461.6美元,日本保险深度为10.86％,保险密度为3498.6美元。从以上数据可以看出,我国保险业的发展与发达国家相 I. Changes and Development of the Operating Environment in the Domestic Insurance Market after China’s Accession to the WTO 1. Market Situation and Prospects for the Development of the Domestic Insurance Business Since the accession to the WTO, the external economic environment of China has further improved and its economy has continued to maintain steady growth. At the same time, the development of the domestic insurance business Still maintain the momentum of rapid development. In 2003, the premium income of the whole country was 338,040 million yuan, with an increase of 82,726 million yuan in premiums, an increase of 27.1%, maintaining the momentum of high growth. In the meantime, the domestic insurance market has great potential. In 2003, the insurance coverage in China was 3.33%, an increase of 0.35% over the previous year. The insurance density was 287.44 yuan, an increase of 49.84 yuan over the previous year. In 2003, the insurance coverage in the United States was 9.58%, the insurance density was 3461.6 dollars, Japan insurance coverage was 10.86% and insurance coverage was 3498.6 dollars. From the above data we can see that the development of China’s insurance industry and developed countries phase