Starting from 2007, the financial tsunami, which was led to by the subprime loan crisis in the United States, has always spread in the whole world. This crisis has brought negative influence that involves every industry in the world, especially the financial industry which has the close relation with this crisis. The insurance industry as the part of this financial system is unable to go away naturally. In this particular environment, for insurance industry, how to ride out the crisis and how to turn the obstruction into motive power have become the problems to which we give more attention. This article emphatically begins from the macroscopic and microcosmic factors of affecting this industry, selects the relative date which was from 1990 to 2007, establishes the mathematical model and determined the factors which had great effect to the industry. Then we can take these factors as the point of departure to put forward some measures and proposals.
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