In recent two years, growth rate of Chongqing's insurance industry becomes lower and the gap between Chongqing and other states of China becomes bigger. The reasons are that Chongqing's insurance industry is short of cooperative and team awareness which affects consumers' correct choice and that the industry is short of sustainable development ideas because market environment needs to be further optimized and market ideas need to be further cultivated and that the industry focuses on operation but overlooks management and is short of credit and responsibility.