Over the past two years, the development of China's insurance industry has accelerated significantly, and has attracted different competing capitals. Anbound research team believes that this indicates that social capital value of insurance licenses is rising. Yet, the insurance industry has already enjoyed many benefits of high-speed growth, and the many problems that it has are surfacing, and has caused regulating department to take action. At this point, if there is blind expansion of the insurance business, coupled with the risky business of insurance companies, it is likely there will be serious impact to the financial industry. Therefore, the regulators should be cautious on granting large number of insurance licenses.