摘要
我国财险业存在各险种间发展不均衡、产品单一不能满足投保人的多样需求、各财险公司产品重复度高等问题,严重制约着我国财险业的进一步发展,这归根结底是由财险公司业务结构的不合理引起的。本文在概述财险公司业务不合理现象的基础上,从保险公司的自身缺陷、全民的保险意识以及国家政策等三个方面分析问题存在的原因,并针对性的提出解决问题的措施,以改变财险业务不合理的现状,促进我国财险业乃至保险业更好的发展。
Property insurance in China has been restricted by the imbalance development between various property insurance products, the simplicity of the products which cannot meet policy holders＇ diverse needs, and the high multiplicity of products in different companies. It is the unreasonable business structure that causes this problem.Based on summarizing the unreasonable phenomenon of property insurance companies, this article finds the reason out from insurance company＇s own flaw, people＇s insurance awareness as well as national policy. On this basis, it carries out some nichetargeting measures in order to change the unreasonable business structure and lets property insurance, even insurance of China, get a better development.
出处
《科技创新导报》
2009年第23期139-141,143,共4页
Science and Technology Innovation Herald
关键词
财险公司
业务结构
调整措施
Property insurance company Business structure Adjustment measure
