大陸保險市場開放與臺灣保險業發展策略The Opening Policy of the China Insurance Market and the Strategy for the Developm

摘要
大陸保險業恢復二十多年來，市場主體由獨家經營到三足鼎立，進而對外開放，群雄競起。2001年，中國政府根據WTO的承諾，為開放大陸保險市場，在法律制度、政策環境等方面得到健全和完善，從而為外資保險公司進入大陸市場創造了條件。
臺灣與大陸同文同種和相同的生活習慣，使臺灣保險業進軍大陸市場具有得天獨厚的優勢和條件，本文試圖藉由對大陸保險市場對外開放之現狀加以歸納及總結，分析臺灣保險公司在大陸的現狀、契機、優勢和挑戰，探討臺灣保險業在大陸市場上的戰略選擇，展望未來兩岸保險業界交流與合作的美好前景。
關鍵字：大陸保險市場、台灣保險業
Abstract
Since the restoration of the China insurance industry 20 years ago, the market has transformed from being monopolized to being shared by three major players. Nowadays, more and more strong competitors are pouring in owing to the opening policy. In the year of 2001, in order to further open up the China insurance market according to the WTO commitment, the Chinese Government made great efforts on the improvement of the legal system and policy environment so as to create conditions for foreign insurance companies to enter the mainland market.
The exactly same culture, race and living habits shared by the people between the mainland and Taiwan, making Taiwan insurance industry enjoy exceptional advantages and conditions to enter the mainland market. Through the conclusion and summary of the opening up of the China insurance market, this article aims to analyze the status quo, opportunities, advantages and challenges of Taiwan insurers in the mainland, to explore strategic choice of Taiwan insurance in mainland market, and to envisage prospect of communication and cooperation between the insurance industries across the Strait.
Keywords: China insurance market, Taiwan insurance industry