经过改革开放三十余年的高速发展，中国经济归于平稳，进入新常态，目前我国更多地追求增长的高质量而非增长的高速度。然而当今国际环境不容乐观，在我国进一步推进经济市场化、行业国际化的过程中，遇到了来自内部和外部的各种问题。金融行业的进一步开放随着人民币加入SDR而被提上议程，而这其中，保险业由于其发展前景以及重要作用更被看好。多年来，我国保险业的外资准入制度和对外投资政策逐步放开，其对于保险业发展效果十分显著。本文将以我国保险业对外开放的制度梳理为基础，对保险业外资发展现状、加之对以负面清单为准入限制的（相当于制度上更加开放）各自贸区保险业数据进行分析，综合影响外资进入以及中资对外投资的理论，总结影响并得出进一步对外开放的政策建议。

After more than thirty years’ rapid development of China’s reform and opening-up, China’s economy tends to be stable and has been into the “new normal state”. Now we prefer to high quality instead of high speed of economy developing. However, global economy situation today is not optimistic, we’ve encountered various problems from both internal and external while we impelled marketing and globalizing of our finance industry. Since insurance industry has a promising future, we have opened up our insurance market to foreign investors gradually for a long time, which made its rapid development become true. In this paper, I’ve summarized the change of institution limit of FDI first and then analyzed China’s current insurance market, especially that of foreign companies. After that I’d like to talk about opening-up’s affect in the base of some FDI theory. In this part, I also want to say something about the need of Chinese company’s going out of the country to start their oversea career. Finally, some conclusion could be made, just like that our government should not only open up insurance market to internal investors, but also to foreigners and the institution limit could impact FDI a lot.