内蒙古自治区非寿险业调查报告

A research report on Inner Mongolia non-life insurance market

十六大以来，内蒙古自治区保险业改革发展取得了令人瞩目的成就，但非寿险市场也存在着业务整体规模偏小、业务结构及区域结构欠合理、车险盈利能力较低、人才供需矛盾较突出等问题。制约其发展的外因是自治区非寿险业发展的整体环境尚不够理想，内因是市场主体的经营管理理念不成熟。内蒙古自治区非寿险业应采取完善保险业外部发展环境、提升保险公司内控管理、加大非寿险产品创新、建立保险信用体系等对策，切实推进非寿险市场又快又好发展。

Although much achievement has been achieved in Inner Mongolia insurance market since the 16th CPC Conference, there are still issues such as relativetly small operation scale, irrational operation structure and geographic distribution, poor profitability of auto insurance, prominent imbalance between insurance talents demands and supplies and so on. The external restricting factors are related to the whole developmental environments which isn＇ t ideal, the internal factors can be attributed to the immature operation concepts. For Inner Mongolia＇s non-life insurance, the right way to pursue a sound and rapid development should start with perfecting external developmental environments, upgrading internal management of insurance companies, increasing innovation of non-life insurance products, establishing an insurance credit system and so on.