CAJ | 학술논문

过高的保险贸易壁垒是对中国保险市场发展的一大阻碍。中国(上海)自由贸易试验区的成立，为适当的降低保险贸易壁垒提供了一个很好的平台。通过定性总结中国现有的保险贸易壁垒以及定量化分析显示，与国外相比，我国保险业发展落后。贸易壁垒的设置对我国保险业的发展产生极大地影响。我国在跨境交付、境外消费、商业存在、自然人流动四种保险服务贸易方式存在市场准入方面及国民待遇方面的限制。在自贸区范围内进一步放开保险经纪、寿险、非寿险的跨境交付业务，设立外资专业养老金公司试点，取消寿险公司的股权限制将有效地提高我国保险市场开放程度。
과고적보험무역벽루시대중국보험시장발전적일대조애。중국(상해)자유무역시험구적성립，위괄당적강저보험무역벽루제공료일개흔호적평태。통과정성총결중국현유적보험무역벽루이급정양화분석현시，여국외상비，아국보험업발전락후。무역벽루적설치대아국보험업적발전산생겁대지영향。아국재과경교부、경외소비、상업존재、자연인류동사충보험복무무역방식존재시장준입방면급국민대우방면적한제。재자무구범위내진일보방개보험경기、수험、비수험적과경교부업무，설립외자전업양로금공사시점，취소수험공사적고권한제장유효지제고아국보험시장개방정도。
The high insurance trade barrier is a hindrance to the development of China's insurance market. The establishment of China (Shanghai) free trade pilot area has provided a good platform for lowering the barriers of insurance trades. It is found that, compared with foreign countries, China's insurance industry is lagging behind through a qualitative summary of China's existing insurance trade barriers and quantitative analysis. The trade barriers have greatly influenced the development of China's insurance industry. There are market ac-cess and national treatment limitations for four kinds of insurance services, cross-border supply, consumption abroad,commercial pres-ence,movement of personnel. In the scope of FTA, it will effectively improve the openness of China's insurance market to further open cross-border businesses of insurance brokers, life insurance and non-life insurance;set up trial of foreign professional pension companies;and cancel the life insurance company's ownership restrictions.