摘要
车险保费收入占据福州地区财产保险企业保费收入的六成以上,商车费改对产险企业的经营产生了较大的影响。在分析了福州地区财产保险发展现状后,先研究了当前以车险为主的业务结构在商车费改后暴露的一系列问题。再结合非车险业务的发展情况,发现非车险业务迅速发展的同时,保险企业对其准备不足,在人才、渠道、产品等方面的建设均有所欠缺。最后针对车险业务调整和非车险业务发展提出建议,旨在促进本地产险企业更好地转型发展。
Auto insurance premium income accounts for more than 60% of the premium income of property insurance enterprises in Fuzhou area.And the reform of commercial automobile insurance has a great impact on the operation of insurance companies.After analyzing the development status of property insurance in Fuzhou area,the paper studies a series of problems exposed by the current business structure with automobile insurance as the main part after the reform of commercial automobile insurance rate.Combining with the development of non-auto insurance business,it is found that non-auto insurance business is developing rapidly at the same time.Then,insurance enterprises are not ready for non-auto insurance and lack of talents,channels and products.Finally,the paper puts forward some suggestions for the adjustment of automobile insurance business and the development of non-automobile insurance business,aiming at promoting the better transformation and development of local property insurance enterprises.
作者
曾怡
Zeng Yi(Fujian Jiangxia Institute,Fuzhou 350108,China)
出处
《福建金融管理干部学院学报》
2018年第4期21-29,共9页
Journal of Fujian Institute of Financial Administrators
基金
福建省社会科学规划项目一般项目基金项目(编号:FJ2018B091)
关键词
财产保险
商业车险
非车险
产品结构
Property Insurance
Commercial Automobile Insurance
Non-auto Insurance
Product Structure [
