首页 | 本学科首页   官方微博 | 高级检索  
相似文献
 共查询到20条相似文献,搜索用时 137 毫秒
1.
我国企业财产保险的增长滞后于经济发展的整体水平 从1980年我国开始恢复保险业务到1992年寿险营销制度的引入,在这段时间内,财产保险和人身保险相比,无论在保费规模、普及率,还是群众认可度上都更胜一筹。在财产保险中,最主要的两项业务来源于企业财产险和机动车辆险。由于受益于政府扶持和半强制投保的政策,在1989年之前,企业财产险能够和机动车辆险平分秋色。1989年之后,尽管企业财产险的保费绝对数额逐年递增,但是占财产险总保费的比例除了1997年的骤升(保险公司增多,全国业务规模扩张)外,一般处于下降的状态(见下表)。  相似文献   

2.
(一)   1992年,个人营销方式引入人身险市场后,我国保费结构发生了巨大变化,推动了我国人身险事业迅速发展.在此之前,国内市场保费结构是财产险占3/4,人身险占1/4;而现在的情况是财产险占1/4,人身险占3/4.是什么促使发生这样一个大逆转呢?毋庸置疑是保险产品销售机制的变化,保险个人营销渠道,已经逐步发展成为人身险公司主要的销售渠道.……  相似文献   

3.
从1996年财产保险和人身保险分业经营以来,人身保险业务得到了跨越式的发展,财产保险业务相对增长比较平稳,财险保费占总保费的比重逐年降低。2002年,全国保费收入为3053.1亿元,同比增长44.7%。其中,财产险保费收入778.3亿元,同比增长12.6%;人身险保费收入为2274.8亿元,同比增长59.8%。无论是从保费规模还是从增长速度,财产保险业务都处在落后的位置。一、制约财产保险发展的主要问题(一)全社会的保险意识普遍偏低,投保和承保都存在误区和“逆选择”。突出表现投保人对保险的认识淡薄,不能充分认识保险在保障社会再生产过程中的作用,预算、…  相似文献   

4.
深化改革加强监管努力提高中保集团的整体素质和经济实力中国人民保险公司董事长、总经理马永伟一、1996年业务发展的目标是:保费收入在1995年基础上增长15%,基中,财产险业务增长14%,人身险业务增长17%。有条件地区在保证业务质量的前提下,应发展快...  相似文献   

5.
2007年中国保险业取得了令人振奋的发展成绩。人身险业务增长超过20%,财产险业务增长超过30%。2008年,保险业将有哪些变化呢?  相似文献   

6.
薛岩 《中国证券期货》2013,(5X):221-221
企业财产险是中国财产保险的主要险种,是各财产保险公司的骨干险种,它是以企业的固定资产和流动资产为保险标的,以企业存放在固定地点的财产为对象的保险业务,其发展水平对财产保险公司的业务经营具有重要意义。本文对企业财产保险存在的问题进行了分析与探讨,提出了发展完善企业财产险应建立和完善有关法规、加大政策扶持力度等对策。  相似文献   

7.
<正>2023年人身险市场将可能触底反弹,同时财产保险在车险与非车险的双轮驱动下将保持较快增长,投资收益率也将从谷底回升2022年,全球主要经济体由于通货膨胀率不断攀升,纷纷采取了加息的货币紧缩政策,给经济增长带来巨大压力。在全球经济衰退风险加剧以及疫情冲击下,我国消费、房地产、净出口等需求叠加下行,  相似文献   

8.
现行团体财产保险条款及30个附加险条款及费率,在制订思路上,仍然是保险人制“履”来让被保险人“适”,所以给人以明显的“削足”之感,虽然通过基本险和附加险的责任风险区别和附加险的增设,给了被保险人一定的选择自由度,但离实际需求差得很远。原因在于没有从企业财产保险的实际需要出发,现行条款具有浓厚的行政色彩。条款和费率是一件保险商品,商品的自身功能和社会需求相结合是商品得以畅销之本。换句话说,现行的财产险条款不是“以客户为中心”理念的产物。  相似文献   

9.
信息集锦     
《上海保险》2014,(5):60-63
1.安盛天平财产保险股份有限公司开业 安盛天平财产保险股份有限公司于3月31日宣布正式开业。安盛天平由原国内第一家专业车险公司天平汽车保险与全球最大保险集团AXA安盛集团在华全资财产险子公司合并设立,是目前中国市场上最大的外资财险公司。  相似文献   

10.
保险业加入征信平台已势在必行。但是面临着许多亟待研究和解决的问题。本文针对保险公司存在的认识问题,对保险业加入征信平台的重大意义进行了深入的分析。提出了按"总对总"方式接入、按险种占比大小突出重点、按保险机构市场份额有序加入等原则。特别是针对保险关系不同于信贷关系的特点,提出了信息采集第一主体为投保人,第二主体为被保险人,第三主体为受益人的观点;提出了要按照财产险和人身险保险标的物分类进行数据采集和征信报告生成;对财产险和人身险的基本信息和信用信息进行了差异性设计。  相似文献   

11.
This article uses the complete property‐casualty insurance files of the National Association of Insurance Commissioners from 1984 to 1991 to assess the effect of medical malpractice reforms pertaining to damages levels and the degree to which these damages are insurable. Limits on noneconomic damages were most influential in affecting insurance market outcomes. Several punitive damages variables specifically affected the medical malpractice insurance market, including limits on punitive damage levels, prohibitions of the insurability of punitive damages, and prohibition of punitive damages awards. Estimates for insurance losses, premiums, and loss ratios indicate effects of reform in the expected directions, where the greatest constraining effects were for losses. The quantile regression analysis of losses indicates that punitive damages reforms and limits were most consequential for firms at the high end of the loss spectrum. Tort reforms also enhanced insurer profitability during this time period.  相似文献   

12.
本文在“寿险基准深度比”的分析框架下,对2010年中国各省区和东、中、西三大区域的寿险业发展进行了横向比较,并对1998年~2010年中国东中西三大区域的寿险业发展进行了纵向比较。研究的基本结论是:中国各省的寿险业相对发展水平呈现出与传统判断不同的态势,从可比意义的“相对于经济发展的寿险业发展水平”的视角来看,近几年中...  相似文献   

13.
Just as the world has witnessed the increased importance of the insurance sector over the past few decades, it has also witnessed a sharp rise in risks and uncertainties. Surprisingly, studies analyzing the relationship between economic policy uncertainty and the insurance sector are almost non-existent. Another major limitation of insurance literature is the choice of methodology. Most studies on the insurance sector do not take into consideration issues of heterogeneity and cross-sectional dependence, and are therefore subject to errors. To address the identified gaps, this research investigates the impact of economic policy uncertainty on insurance premiums in a panel of 15 countries over the period 1998–2016 by employing heterogeneous panel estimation techniques with cross-sectional dependence. The Durbin-Hausman cointegration tests of Westerlund (2008) confirm that a long-run relationship exists between the variables. Findings from the error correction based panel estimations show that the insurance sector is not immune to the effects of economic policy uncertainty. Economic policy uncertainty raises insurance premiums both in the short and long run, although the long-run impact is greater than the short-run impact. In addition, economic policy uncertainty exerts a bigger influence on non-life insurance premium than on life insurance premium, indicating that the economic risks covered by non-life insurance are more sensitive to uncertainty than the mortality and longevity risks covered by life insurance. Our findings further show that national income, education, population, financial development and institutional quality all raise insurance premiums, while inflation lowers insurance premiums.  相似文献   

14.
刘威  黄晓琪 《金融研究》2019,471(9):39-56
本文在拓展背景风险理论研究的基础上,揭示了经济政策不确定性对保险需求的影响及其受地区文化制约的理论机制。并利用2007-2017年中国30个地区的月度面板数据,检验了经济政策不确定性、地区文化与保险需求间的内在联系。结果发现:第一,经济政策不确定性会对保险需求产生显著正影响,且这种效应在地区人身险需求上表现更明显;第二,将地区文化指标集纳入经济政策不确定性与保险需求关系的研究框架,发现地区文化差异会对经济政策不确定性影响保险需求产生调节效应。因此政府需在充分重视经济政策波动和文化对经济活动的双重影响基础上,加强国内社会保障体系建设,建立更透明的信息传递渠道,培育人们主动抵抗风险的意识和文化习惯,调整保险供给结构,以减少不确定性对社会经济行为的负面冲击。  相似文献   

15.
The objective of this analysis is to simulate the difference between national and state‐specific individual insurance markets on take‐up of individual health insurance. This simulation analysis was completed in three steps. First, we reviewed the literature to characterize the state‐specific individual insurance markets with respect to state regulations and to identify the effect of those regulations on health insurance premiums. Second, we used empirical data to develop premium estimates for the simulation that reflect case‐mix as well as state‐specific differences in health care markets. Third, we used a revised version of the 2005 Medical Expenditure Panel Survey (MEPS) to complete a set of simulations to identify the impact of three different scenarios for national market development. (National market estimates are based on the simulation model with competition among all 50 states and moderate impact assumptions.) We find evidence of a significant opportunity to reduce the number of uninsured under a proposal to allow the purchase of health insurance across state lines. The best scenario to reduce the uninsured, numerically, is competition among all 50 states with one clear winner. The most pragmatic scenario, with a good impact, is one winner in each regional market.  相似文献   

16.
湖南省长株潭“两型社会”建设与低炭经济发展的调查   总被引:1,自引:0,他引:1  
城市群正成为我国区域经济发展的核心增长极,运用保险手段实现经济与环境的双赢,从而推动区域整体发展是当代区域经济研究的新课题。以长株潭(长沙、株洲、湘潭)城市群为例,随着城市化、工业化的加速推进,客观上需要对可能导致环境污染突发性事件进行防范和化解。实施环境污染责任保险,既是推进“两型社会”建设的迫切要求,也是贯彻低炭经...  相似文献   

17.
This study employs the hedonic property price method to examine the effects of flood hazard on coastal property values. We utilize Geographic Information System data on National Flood Insurance Program flood zones and residential property sales from Carteret County, North Carolina. Our results indicate that location within a flood zone lowers property value. Price differentials for flood risk and the capitalized value of flood insurance premiums are roughly equivalent—both exhibiting a nonlinear relationship in flood probability. Our results support the conclusion that flood zone designation and insurance premiums convey risk information to potential buyers in the coastal housing market.  相似文献   

18.
This article studies the dynamic relationship between premiums and losses on the U.S. property–casualty insurance market, accounting for the external impacts of GDP and interest rate. Compared to the existing literature, the present work innovates in that the dynamic relationships between premiums, losses, GDP, and interest rate are studied in a cointegration framework, single‐equation and vector approach, involving the long‐ and short‐run dynamics. The results suggest a stable long‐run equilibrium between premiums, losses, and general economy. On short term, the premiums adjust quickly and significantly to the long‐term disequilibrium and have a strong autoregressive behavior. External factors contribute to explain the dynamics of premiums.  相似文献   

19.
中国各区域之间不同的外部环境和内部条件,使得全国保险业发展呈现出一定的区域特性,同时也使区域保险监管政策重点存在阶段性差异成为可能.本文通过对青海寿险业发展的影响因素的分析和青海寿险市场发展现状的研究,提出青海寿险业发展正处于一个"爬坡筑阶"的阶段;同时针对该阶段特性,本文提出并解决了以下三个问题:青海寿险监管的目标定...  相似文献   

20.
运用宏观经济学的研究方法,从经济周期视野对我国寿险业的发展态势进行了探讨。首先,对寿险业发展的宏观脉络进行了分析,认为寿险业的产品特征具有较强的亲周期性,通过HP滤波进行趋势周期分解后证实寿险业的周期性波动幅度比产险业显著。其次,对寿险业发展的当前态势进行了分析,维持了寿险业长期趋势向好的总体判断,但认为经济周期对寿险业的负面冲击效应较大,短期内寿险业难以恢复高增长态势。最后,对寿险业的发展提出了若干政策建议,认为准确定位、改善监管和优化环境是促进寿险业可持续发展的当务之急。  相似文献   

设为首页 | 免责声明 | 关于勤云 | 加入收藏

Copyright©北京勤云科技发展有限公司  京ICP备09084417号