延边朝鲜族自治州财产保险业发展对策研究

发布时间：2018-02-12 01:33

本文关键词： 延边朝鲜族自治州保险业财产保险发展对策　出处：《延边大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着延边朝鲜族自治州经济的发展,延边居民财产不断增长,这样催生财产保险的不断向前发展,因此研究延边地区财产保险业的发展特点对于保障居民财产,合理规避财产风险避免意外损失具有现实的指导意义。在阐述延边朝鲜族自治州财产保险业发展情况之前,本文阐述了关于保险业及财产保险业的具体概念、险种、及相关理论,使人们能够全面了解财产保险业；然后从延边州保险业发展的历程入手,并把延边州保险业划分为起步阶段、恢复发展阶段、保险业初步形成规模阶段、独立发展阶段、竞争发展阶段等五个阶段；通过历史数据显示了延边州财产保险业在发展过程中存在诸如财产保险产品品种供给缺乏、选择余地少,投保对象对财产保险认识不足,投保对象财产保险意识不够等问题；通过历史数据也显示了延边州财产保险业发展速度快于延边州保险业的发展,但慢于吉林省财产保险业的平均发展速度,总结出延边州财产保险业发展过程中存在发展空间很广,发展潜力很大,存在着尚待开发的大好市场的发展前景。最后建设性地指出了延边州财产保险业发展对策：做深做足财产保险,强化政府宏观调控机制,完善财产保险企业管理机制,提高财产保险业从业人员的专业综合素质,切实维护财产保险消费者的利益,健全财产保险业相关条款制度,增强居民的财产保险意识。对于如何做深做足财产险业务提出了具体的方向建议：扩大家庭财产保险业务,发展民营经济体财险业务,拓展责任险等系列财险,推进各类车险业务,挖掘工程险业务等新型险种业务。
[Abstract]:With the economic development of Yanbian Korean Autonomous Prefecture, Yanbian residents' property continues to grow, which leads to the continuous development of property insurance. It has practical guiding significance to avoid property risk reasonably and avoid accidental loss. Before expounding the development of property insurance industry in Yanbian Korean Autonomous Prefecture, this paper expounds the specific concepts of insurance industry and property insurance industry. And related theories, so that people can fully understand the property insurance industry, and then start with the development process of the insurance industry in Yanbian Prefecture, and divide the insurance industry in Yanbian Prefecture into the initial stage, the stage of recovery of development, and the stage of initial formation of scale of the insurance industry. The independent development stage, the competition development stage and so on; through the historical data, it shows that the property insurance industry in Yanbian Prefecture has, for example, the lack of variety supply of property insurance products in the process of development, and the lack of room for choice. Through historical data, it also shows that the development of property insurance in Yanbian prefecture is faster than that in Yanbian prefecture. However, slower than the average development rate of the property insurance industry in Jilin Province, it is concluded that the development space of property insurance industry in Yanbian Prefecture is very wide and the development potential is very large. In the end, the author points out constructively that the property insurance industry in Yanbian prefecture should develop the property insurance, strengthen the macro-control mechanism of the government, and perfect the management mechanism of the property insurance enterprises, and finally point out the countermeasures for the development of the property insurance industry in Yanbian Prefecture. To improve the professional and comprehensive quality of property insurance practitioners, effectively safeguard the interests of property insurance consumers, and improve the system of property insurance related articles, Strengthening the residents' awareness of property insurance. This paper puts forward some specific suggestions on how to do a good job in property insurance business: expanding the family property insurance business, developing the private economy property insurance business, expanding the liability insurance and other series of property insurance, etc. Promote all kinds of auto insurance business, excavate new types of insurance business such as engineering insurance business.
【学位授予单位】：延边大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.7

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