我国家庭财产保险的现状及发展策略

发布时间：2018-03-05 10:11

本文选题：家庭财产保险　切入点：美国房屋保险　出处：《广东财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：家庭财产保险是指面向城乡居民家庭并以其住宅及存放在固定场所的物质财产为保险标的的保险。家财险作为我国开展较早的险种之一，本应成为我国亿万个家庭的保障，但是事实却恰恰相反，我国家财险投保率过低，家财险一直很难发展壮大起来。本文从我国家财险的现状出发，从市场主体、保费收入、保费增长速度三方面着手分析了我国家财险的市场状况，同时对我国家财险的产品进行分析，再对投保率过低的原因作出了具体分析，分析表明最根本的原因就是市场竞争不激烈，导致产品差异化程度低，现有的家财险产品不能很好地满足消费者的需求。从产品创新的角度出发，研发出适应市场需求的产品，分析我国家财险产品创新的制约因素和其实现的条件，再结合美国房屋保险的成功经验，来促进我国家财险产品的创新，研发出适合消费者需求的产品。最后对我国家庭财产保险的发展提出了一些建议，希望对家财险走出萎靡不振的现状能有所帮助，，从而促进我国家庭财产保险事业的发展。
[Abstract]:Family property insurance refers to the insurance for the families of urban and rural residents and the material property stored in their houses and fixed places. As one of the early types of insurance in China, the family property insurance should have been the protection of hundreds of millions of families in our country. However, the fact is quite the opposite. The insurance rate of household property insurance in China is too low, and it has been very difficult for the family property insurance to develop and grow. This article starts from the present situation of the family property insurance in China, starting from the main body of the market, premium income, The paper analyzes the market situation of the family property insurance in China from three aspects of the rate of premium growth, analyzes the products of the family property insurance in our country, and then makes a concrete analysis of the reasons for the low insurance rate. The analysis shows that the most fundamental reason is that the market competition is not fierce and the degree of product differentiation is low, the existing household property insurance products can not meet the needs of consumers very well. From the perspective of product innovation, we develop products to meet the needs of the market. This paper analyzes the restrictive factors and the conditions for the innovation of the household property insurance products in China, and combines the successful experience of the American housing insurance to promote the innovation of the household property insurance products in our country. Finally, some suggestions are put forward for the development of family property insurance in China, hoping to help the family property insurance out of the malaise in order to promote the development of family property insurance in our country.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.65

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