我国财险业务现状及其发展对策

内容摘要·························································2

一、保险业背景···················································3

（一）我国保险业发展历史沿革·····································3

（二）财产保险起源···············································3

二、我国财产保险市场状态·········································4

（一）保费收入规模迅速扩大·······································4

（二）财险业务以机动车险为主·····································5

（三）市场集中度下降，发展趋势良好·······························5

三、中国财产保险市场险种结构·····································5

四、中国财产保险市场赔付率·······································5

五、中国财产保险市场2011年概况··································6

（一）2011年财产保险行业运行情况································7

（二）2011年财产保险监管基本情况·································9

六、中国保险市场2011年经营状况分析······························9

（一）保险市场主体情况···········································9

（二）保险业务发展情况···········································9

（三）财产险业务发展情况·········································10

（四）各保险公司业务发展情况·····································11

（五）各地区业务发展情况·········································11

七、浅谈保险市场今后的发展对策···································11

参考文献·························································13

内 容 摘 要

目前，我国保险行业是一个古老又年轻的行业，虽然产生较早，但在我国还是处于发展初级阶段。从1980年我国开始恢复保险业务以来的很长一段时间，财产保险一直占据我国保险业的主导地位，而企业财产保险曾一度是主体业务。

中国保险业经历了多年的波折后, 于1980 年开始全面恢复, 并且出现了难得的高速发展的势头, 使众多国内外的保险业者感到惊喜。在新世纪开始之际, 随着中国各项事业, 特别是市场经济体制改革和社会保障制度的改革, 以及中国加入世界贸易组织这一历史时间的完成, 我们有理由相信, 保险业在中国将有一个更好的起点。然而问题总是与发展并存。面对中国这块巨大的保险市场,

中国保险业体现本土化优势的同时, 也在来势汹汹的外资保险竞争对手面前不可避免地暴露出诸多缺陷和弊端。

本文将从保险业背景开始介绍，然后再介绍财产保险的险种、赔付等相关问题，最后将结合实际情况分析现状和浅谈今后的发展对策。

关键词：我国财产保险  市场 发展  对策 赔付