财险公司非车险业务发展的思考

Thinking of Property Insurance Non-auto Business Development

财险公司的非车险业务是指除了该公司车辆保险业务以外的业务,具体来说是指财产险、意外险、意外医疗险、农业保险、货运险等,车险业务和非车险业务构成公司业务的总和。目前,国内财险市场中,车险独大矛盾突出,车险业务占比达七十以上,产品单一,业务结构不合理的问题十分明显,严重制约了财险公司的科学发展。本文试就非车险业务发展的现状及发展途径进行探讨。

Non-auto insurance is all of the property insurance except the auto insurance,including projects insurance,casualty insurance,medical insurance,agriculture insurance,marine insurance etc.The proportion of auto insurance in the whole insurance market of china is over 70 percent and it＇s the standout contradiction of the china insurance market.The irrational structure severely restrains the scientific development of property insurance.In this dissertation,the author analyses the status of non-auto insurance and the way to development the non-auto insurance.