辽宁保险业状况分析.docVIP

摘 要 改革开放特别是党的十六大以来，我国保险业改革发展取得了举世瞩目的成就。保险业务快速增长，服务领域不断拓宽，市场体系日益完善，法律法规逐步健全，监管水平不断提高，风险得到有效防范，整体实力明显增强在促进改革、保障经济、稳定社会、造福人民等方面发挥了重要作用Abstract As chinas reform and opening, the development of the insurance industry has made eye-catching achievements. And the Liaoning insurance industry has achieved considerable development, such as ： insurance business grow rapidly and service areas continuously expand, market system is perfect, the law, regulation has continued to increase risks, effective prevention remarkably strengthened in promoting reform, economic and social benefit has played an important role. But the insurance industry is also important to Liaoning province by some issues, such as insurance is not enough, the scale of business development remains low level and the irrational structure and independent innovation ability is the present problem, our workers are low quality, etc. This article analyses the Liaoning insurance industry in the current economic situation of the main issues. At the same time, to solve the related problems, we have done some useful to explore and put forward some effective ways and ideas to the insurance industry of Liaoning province problems. Key words: Liaoning Province; Insurance; Development; Problems and solutions of insurance 目 录 摘 要 I Abstract II 绪 论 1 1 辽宁省保险业发展概况 2 1.1 保险业概述 2 1.2 辽宁省保险业现状 2 1.3 辽宁省保险业发展改革情况 3 1.3.1 市场供给主体逐步增多 3 1.3.2 保费收入不断增长 3 1.3.3 市场份额呈多元化分割局面 3 1.3.4 保险深度和保险密度不断加强 4 2 辽宁省保险业发展的特点 5 2.1 保险业规模不断加大 5 2.2 市场主体不断增加 5 2.3 保险产品不断创新 5 2.4 经营管理水平不断提高 6 2.5 保险业发展的新形式 6 3 辽宁省保险业存在的问题 7 3.1 保险业务发展水平依然较低 7 3.2 产品创新能力不足 7 3.3 保险市场欠规范 8 3.3.1 保险业经营方式需要提高 8 3.3.2 中介市场规模尚小 8 3.4 从业人员素质偏低 8 3.5 提高保险理赔效率与市场透明度 9 3.6 保险业监管形式有待提高 10 3.7 民众对保险认识程度较差 10 4 辽宁省保险业发展的对策建议 11 4.1 树立全新的保险营销观念 11 4.2 推动市场主体多元化发展 11 4.3 促进保险经营体制创新 12 4.3.1 改革保险经营体制和管理体制 12 4.3.2 大力支持保险专业中介机构创新发展 12 4.4 提高从业人员整体素质 12 4.5 规范保险主体 13 4.5.1 建立信息披露机制 13 4.5.2 加大对保险业监管力度 13 4.6 加强行业管理 14 4.6.1 加强对保险代理人的管理 14 4.