2013年保险业平稳健康发展，市场化改革贯穿全年。普通型人身保险费率定价机制改革、保险资金运用市场化改革、市场准入退出机制改革等诸多保险改革举措表明，监管与市场的关系继续改善。监管思路逐步向“放开前端，管住后端，加强事中管理”演变，全年保险业监管整体有效。十八届三中全会提出让市场在资源配置中起决定性作用，而保险作为一种惠民利民的市场化手段，应该成为发展中国经济的一个有机部分。2014年，保险业将深入贯彻落实三中全会就全面深化改革做出的战略部署，加快推进重点领域和关键环节的市场化改革，并在新型城镇化建设中积极贡献力量。
The insurance industry has experienced a healthy and stable development in 2013，and the market-oriented reform has been conducted throughout the year. The insurance reforms，such as the pricing mechanism reform of ordinary type life insurance，the market-oriented investments of insurance funds，and the market access and exit mechanism reform，have demonstrated that the relationship between regulation and market has continued to undergo significant improvements. As the idea of regulation gradually turning to “liberalize the front-end，control the back-end，and strengthen management of the medium-process”，the regulation system of insurance sector has been efficient and effective as a whole in 2013.Third Plenary Meeting of the 18th Session of CPC has proposed to make the market play a decisive role in allocation of resources. The insurance market，as a means to benefit the nation and the residents，ought to improve the institutional arrangements and to become an indispensable part of Chinese market economy. In 2014，the insurance industry will further implement a comprehensive reform to update its development，which has been proposed in the Third Plenary Meeting of the 18th Session of CPC. At the same time，it will accelerate the marketization reform in key areas of insurance sector and contribute more positively to new urbanizationparticularly.
