2011年是中国保险市场发展面临困难和挑战较多的一年。监管部门延续2008年国际金融危机以来的既定思路，在防范化解风险、维护市场秩序、促进行业发展方面做出了积极努力。监管改革重大举措主要体现在探索商业车险条款费率管理制度改革，完善商业银行代理保险业务监管，改进保险公司次级定期债务管理，推动变额年金保险试点等方面。
Chinese insurance market faced many difficulties and challenges in 2011. Regulatory authority in issuance industry made efforts to guard against risk, defend market order, and promote industry development. Regulatory measures in the fields of auto insurance, bancassurance, insurer subordinated term debts, and variant annuity are reviewed.
