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随着我国即将加入世贸组织, 在外资保险纷纷挺进中国, 民族保险业将面临更加激烈的市场竞争的关键时刻,国内保险业界似乎对保险上市呼声一片。毋庸讳言,国内商业保险公司通过市场手段增资扩股,募集社会资金,增加保险资源总量,扩充资本运作实力,无疑可以增强保险业的发展后劲,对优化整个资本市场结构也是一件好事。但是,当我们冷静地分析一下我国保险业的发展现状后,就会发现,我国目前保险公司是否已完全具备上市的成熟条件,保险上市是否已是水到渠成,就值得三思了。
With China’s imminent accession to the WTO, at a crucial moment when foreign-funded insurance goes into China one after another, the national insurance industry will face even more intense market competition. The domestic insurance industry seems to be crying out for the listing of insurance. Needless to say, the domestic commercial insurance companies through market means to increase their investment, raise social capital, increase the total amount of insurance resources, capital expansion strength, will undoubtedly enhance the development potential of the insurance industry, the optimization of the entire capital market structure is also a good thing. However, when we calmly analyze the current situation of the insurance industry in our country, we will find out whether the insurance companies in China now have the full listing of mature conditions, whether the listing of insurance is a matter of course, worth considering.