企业内部自保现象,是中国保险市场发展逐渐走向成熟的标志,也意味着保险市场的经营主体更加多元化。相比西方发达的企业自保组织,中国企业自保发展前途光明但又问题多多,迫切需要给予政策引导和规范发展。 The phenomenon of self-insurance within enterprises is a sign that the development of China’s insurance market has gradually matured. It also means that the main body of the insurance market is more diversified. Compared with self-protection organizations of developed western countries, Chinese enterprises have a bright future but many problems in their own development. There is an urgent need to give policy guidance and standardize their development.