The compilation of the Eleventh Five-Year Plan is the biggest focus in the near future. The 11th Five-Year Plan embodies the people's wishes, embodies the wisdom of the nation, embodies the characteristics of the times of building a well-off society in an all-round way, and depicts the grand blueprint of China in the critical period, which will lead the Chinese nation to achieve great rejuvenation and create greater glories, and is highly praised by people. At the same time, the tenth five-year plan has also entered the stage of inventory and harvest.
It can be said that the successful preparation of the Eleventh Five-Year Plan is closely related to the rapid development of China's national economy during the Tenth Five-Year Plan period.
The Tenth Five-Year Plan is also an extraordinary five-year period for China's insurance industry, which is in the primary development stage and an important turning point. Revision of the Insurance Law; The insurance supervision system is improving day by day; Three state-owned insurance companies were successfully reorganized, and two insurance companies were successfully listed overseas; The insurance industry is fully open to the outside world; The insurance market is developing rapidly; Scientific Outlook on Development's proposal of insurance industry; Specialized development of agricultural insurance, health insurance and endowment insurance; The pilot work of the new rural cooperative medical system was launched; Wait a minute. In the past five years, China's insurance industry has witnessed constant highlights and innovations. It is in these five years that the insurance industry in China has embarked on the road of sustained, rapid, healthy and coordinated development.
Looking back on the development of China's insurance industry in the past five years, figures are the best proof. According to statistics, by the end of 2000, the national premium income159.6 billion yuan, insurance density 128 yuan, insurance depth 1.8%, and the total assets of insurance companies reached 337.4 billion yuan. By the end of 2004, the national premium income reached 43 18 billion yuan, the insurance density was 332 yuan, the insurance depth was 3.2%, and the total assets of insurance companies reached1/kloc-0.85 billion yuan.
It is estimated that by the end of 2005, China's premium income will reach 485 billion yuan, the insurance density will be 370 yuan, the insurance depth will be 3.3%, and the total assets of insurance companies will reach/kloc-0.5 trillion yuan. Premium income and total assets increased by 2.04 times and 3.45 times respectively during the Tenth Five-Year Plan period.
By the end of 2000, there were 32 insurance companies in China, including 4 state-owned insurance companies, 9 joint-stock insurance companies, 9 Sino-foreign joint ventures and wholly foreign-owned insurance companies 19, and 54 insurance intermediaries, including 43 insurance agents, 8 insurance brokers and 3 insurance assessors.
By the end of June 2005, there were 765,438+0 insurance companies in China. Among them, property insurance company 3 1, life insurance company 35 and reinsurance company 5. In addition, there are 6 insurance groups and holding companies and 5 insurance asset management companies. China has 65,438+0,565 professional insurance intermediaries and more than 654,38+0.4 million insurance salesmen. From the 10th Five-Year Plan to now, the insurance industry in China has made great progress and gained more success and rich experience.
During the Tenth Five-Year Plan period, more and more insurance practitioners realized that the insurance industry has great potential in building a harmonious socialist society. The insurance industry has realized that in order to take accelerating development as the primary task of the insurance industry, we must always take reform and innovation as a powerful driving force for development, always take risk prevention and resolution as the lifeline of the insurance industry, and always take serving the overall economic and social development and serving the interests of the overwhelming majority of the people and policyholders as the starting point and foothold of the insurance industry. This also laid a solid foundation for China insurance industry to become bigger and stronger.
In the extraordinary days of fighting against SARS, in the critical period of air crash, mine disaster, anti-Taiwan and flood fighting, and at the critical moment of accidents and emergencies, China's insurance industry gave full play to its economic compensation function, accelerated product innovation and service innovation, and solved problems for the people again and again in time to help them rebuild their homes; Today, with the deepening reform of China's social security system, more and more people are changing from "unit people" to "social people". By vigorously developing professional commercial endowment insurance and medical insurance, the insurance industry has effectively eased the pressure on the government, improved the level of social security and enhanced people's well-being. It can be said that the insurance industry has become a "stabilizer" of society.
During the Tenth Five-Year Plan period, insurance will give full play to its social management function and continuously promote the innovation of social management system. In the past five years, the insurance industry has effectively resolved social disputes. By vigorously developing liability insurance and solving legal disputes such as liability compensation by commercial means, it is conducive to reducing the cost of social litigation and improving the efficiency of dispute resolution. Employer liability insurance can effectively coordinate the interests of both employers and employees and resolve labor disputes. Successfully shared the responsibility of the government. Establish a compulsory liability insurance system in industries with many security risks, greatly reducing the pressure on the government; Further improve the efficiency of government management. As a commercial organization, insurance companies have certain professional advantages in technology, management, cost control and service. Participating in government management in some fields can improve the efficiency of government operation. Insurance companies widely participate in the new rural cooperative medical system, give full play to the advantages of actuarial technology, network services and risk management, reduce costs, control risks and reduce government pressure; Actively guide the public to abide by social rules.
During the Tenth Five-Year Plan period, the financial intermediary function of the insurance industry has also been fully reflected. It is in these five years that the scale of China's insurance assets has expanded rapidly, and the insurance investment channels have been continuously broadened, so that insurance assets can create greater value for customers and enterprises in a broader space. At the same time, the promulgation of Guidelines on Custody of Insurance Companies' Stock Assets, Notice on Issues Related to Stock Investment of Insurance Funds, Detailed Rules for the Implementation of Interim Measures for the Administration of Overseas Use of Insurance Foreign Exchange Funds, Guidelines on Risk Control in the Use of Insurance Funds, and Interim Provisions on the Administration of Insurance Asset Management Companies have also provided necessary conditions and foundations for China's insurance industry to operate under a more standardized premise.
In the past five years, the risk transfer function of the insurance industry has been continuously exerted. Insurance encourages and protects social creativity, effectively transfers innovation risks through insurance, and solves the worries of many innovators, thus stimulating people's enthusiasm for innovation and the creativity of the whole society. In the new round of technological revolution during the Tenth Five-Year Plan period, more and more risks of technological innovation make the scope of insurance more and more extensive and play an increasingly important role.
When China's insurance industry is about to bid farewell to the splendid Tenth Five-Year Plan and enter the Eleventh Five-Year Plan led by Scientific Outlook on Development, reviewing the fruitful achievements and summing up the lessons of the Tenth Five-Year Plan will certainly help China's insurance industry to analyze the development trend of the insurance industry in a forward-looking way, grasp the development law of the insurance industry scientifically, creatively promote the development of the insurance industry and move towards tomorrow with a brand-new attitude.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.