Abstract: Insurance is an old category,but insurance industry is the result of capitalist development.The commercial insurance shows some trends,i.e.,premium is increasing,insurance’s depth and density are improving,market concentration rate is rising,and relevant products develop fast and so on in the worldwide.Since China reestablished commercial insurance in 1980,our country’s national industry achieved great development,the number of market subject is increasing,insurance estate is expanding,and relevant laws is perfecting and so on.At the same time,there do still exist some problems,such as the low insurance quality,the low insurance’s social position,unfair competition,and reputation risk.

Key words: commercial insurance, national insurance industry, current situation