中国保险业自1980年全面恢复国内保险业务以来,以年均30%的速度快速发展,取得了令人瞩目的成就。但由于产权制度缺陷、信用、市场规则缺失、保险监管力量薄弱和保险业自身自律意识较差等诸多因素,导致处于经济转型期的财产保险业市场秩序混乱,存在 Since the insurance industry in China fully recovered its domestic insurance business in 1980, the rapid development of the insurance industry at an average annual rate of 30% has yielded remarkable achievements. However, due to the defects of the property rights system, the lack of credit and market rules, the weak supervision power of the insurance industry and the poor self-discipline of the insurance industry, the market order of the property insurance industry in the period of economic transition is chaotic and exists