80年代恢复国内保险以来,保险业的发展很快,全国保费年均增长30.8％,2002年达到44.7％。在保险快速发展的同时,也应清醒地认识到保险市场的违规违纪行为还普遍存在,违规的手法也在不断“更新”,这不仅制约了保险业的稳步发展,而且严重损害 Since the restoration of domestic insurance in the 1980s, the insurance industry has been developing rapidly with an average annual growth rate of 30.8% in national premiums and 44.7% in 2002. At the same time of rapid insurance development, we should also clearly recognize that the illegal and disciplinary behaviors in the insurance market are still widespread and the methods of non-compliance are constantly being “updated”. This not only hampers the steady development of the insurance industry, but also seriously damages