家庭财产保险市场疲软原因分析及对策.pdfVIP

家庭财产保险市场疲软原因分析及对策 重庆工商大学 2010 级 保险 申艳丽 2010023118 指导教师 樊国昌 摘要：家庭财产保险是我国开展业务比较早的险种之一，它是面向城乡居民家庭 并以其住宅及存放在固定场所的物质财产为保险标的保险。然而在我国经济飞速 发展，保险业日渐繁荣的大环境下，我国的家庭财产保险市场却陷入徘徊不前的 困境中，对家庭财产保险的理论研究多数集中于分析家庭财险市场存在的各方面 问题，而对于其中最大的问题即有效需求不足的问题却鲜有更深入的分析研究， 因此本文运用了理论与实践相结合的分析方法对我国家庭财产保险问题进行研 究，分析了目前家庭财产保险市场存在的问题，并重点对有效需求不足，投保率 过低的问题进行了理论和实证分析，具有一定的针对性和实践意义。本文希望对 我国家庭财产保险问题的分析研究，能够为家庭财产保险市场未来的良好发展做 出一点贡献。 关键词：家庭财产保险；保险市场；有效需求；实证分析 Abstract: the family property insurance is our country insurance business relatively early ， one of which is geared to the needs of urban and rural residents family and for its residential and stored in a fixed place of material possessions as insurance mark insurance In the rapid economic development of our country ， however ， the insurance industry increasingly prosperous environment ， the home insurance market in China is stuck in the dilemma ， the family property casualty theory research most focused on the analysis of problems on various aspects of domestic insurance market ， and for one of the biggest problem is the problem of insufficient effective demand are rarely more in-depth analysis and research ， so this article use the analysis method of combining theory and practice of the study of my country insurance problems ， analysis of the current problems existing in the home insurance market ， and the key to effective demand is insufficient ， low insurance rate question has carried on the theoretical and empirical analysis. This paper analysis on our country insurance that problem ， can make a contribution to the family property insurance market development in the future. Keywords: family property insurance ； insurance market ； effective demand ； empirical analysis 目 录 一、引言