摘 要
保险是指投保人根据合同的约定向保险人支付保费,保险人根据合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金的责任,保险按种类分可分为::财产保险、责任保险、信用保证保险和人寿险这几大类。很多年来,我国保险业经受了很困难和考验,并实现非常较好的发展,但必须的清醒看到,我国经济运行中依然存在着一些长期性的矛盾与问题,保险业的发展面临着非常严峻的挑战。2011年1-10月,浙江省保险公司累计实现原保险保费收入541.14亿元,同比增长8.6%,保险赔付支出180.75亿元,同比增长3.2%。复杂的经济形势使保险业的发展面临不确定性,财产保险市场将继续保持较快增长,保险业务增长趋势将取决于银保转型的力度,银行投资保险公司股权的效应将逐步体现;但在浙江保险业的发展过程中也遇到不少自身问题,例如:合作程度较浅,方式单一,产品创新滞后,险种单一,重关系轻培训,忽视质量,以及监管制度的不健全。 这些方面都严重制约着浙江保险业的转型和发展。在浙江保险业发展过程中的的现有问题下,本文着重探讨了解决这些问题的具体方法:一、转变旧有观念,结合浙江实际情况,开拓新思路;二、立足长远,整合各种资源,系统考虑;三、横向合作,构建平台;四、打破信息技术、产品、核算三大制约;五、加强监管,扶植浙江保险业发展;六、加强从业人员培训和市场营销力度。在本文还着重讨论了浙江保险业在浙江的经济社会中的特殊作用以及发展浙江保险业的重要意义,最后还讨论了在未来的社会经济发展趋势中,浙江保险业还有哪些新的变化。
【关键词】浙江 保险业 现状 发展
ABSTRACT
In 2011, the insurance industry through many difficulties and challenges, and realized the good development. But we must be clearly aware, our country economy operation of still exist some long-term contradictions and problems, and insurance industry development challenges. 2011 1-10 months, Zhejiang province insurance company accumulated realize the original insurance premium income is 54.114 billion yuan RMB, a 8.6% growth year; Insurance claims spending 18.075 billion yuan, a year-on-year increase of 3.2%. Complex economic situation that the development of the insurance industry faces uncertainty; Property insurance market will continue to keep a fast growth; Life insurance business growth trend will depend on the strength of the transformation of silver; The investment bank insurance company will be gradually reflect the effect of equity; To be established long-term mechanism of the development of the insurance. This article focus on the insurance industry in Zhejiang present situation and problems and in combination with foreign insurance industry in the development process of the difficulties encountered and solutions, focusing on how to make Zhejiang insurance industry can better overcome the inadequacy of oneself, in big strides forward.
【Key words】Zhejiang Insurance Presentation Development Problems
目 录
2.1 保险的概念及特点
2.4 浙江省保险业的发展对浙江省保险市场的促进以及对市场格局的影响