四川省财产保险市场调查报告

近年来，随着四川省经济的迅速发展，产险业获得了发展的良好外部条件，主体不断增多，保障功能进一步加强，市场体系更加完善，开放水平显著提高，保险业务规模在全国位列第九。但由于地域及其他原因，四川省产险业依然存在诸多不足，如产险业整体发展水平不高，地区差异较大；寡头垄断竞争格局依然明显，缺乏适度竞争；险种结构不合理，市场有效供给不足；中高级管理人才及保险专业人才匮乏等。四川省产险业应通过更新观念，抓住机遇，加快产险业务的发展；推动不同经济类型地区的产险业和谐发展；扩大产险市场主体的阵容，培育公平竞争的市场环境等不同方式，积极发展，提高产险业在全国的竞争力。

The booming economy of Sichuan Province in recent years provides favorable external environment for the development of the property and casualty insurance industry. The number of P＆C companies keeps increasing, the scope of coverage is continuously expanded, the market system is improved, and the opening - up of the market is widened. The size of premium income ranks at the ninth place in China. However, for geographical and other reasons, the P＆C insurance industry here is to be improved on many aspects. The overall development level of the P＆C industry is not very high and geographical difference is prominent; the oligopolistic competition framework remains unchanged and there is a lack of due competition; the product mix is not sound and effective market supply is insufficient; and there is an urgent need of medium-to-high level management personnel and insurance professionals. The P＆C sector here should rejuvenate their concepts and capture the opportunity to accelerate its development. It should promote a harmonious development of the P＆C industry in all regions with different economic model, increase the number of insurance companies, cultivate a fair-dealing and competitive environment, and improve its competitiveness among all provinces.