有效需求不足问题凸现 改革开放以来,我国保险业发展迅速,但总体水平仍然比较低,1997年全国保费收入增长39.2％,1999年增长10.2％,其中财产保险仅为2.9％。这表明我国商业保险有效需求不足问题已经凸现。其主要原因:一是社办保险侵蚀了商业保险。目前全国约有26个地方社保部门开展了 Insufficient effective demand highlights The reform and opening up, China’s insurance industry has developed rapidly, but the overall level is still relatively low, in 1997 the national premium income increased by 39.2% in 1999, an increase of 10.2%, of which only 2.9% of property insurance. This shows that the problem of insufficient effective demand for commercial insurance in China has been highlighted. The main reason: First, social insurance eroded commercial insurance. At present, there are about 26 local social security departments in the country