寿险和非寿险业务变迁趋势、原因分析及其优化路径探讨

Life insurance and Non-life Insurance Business Comparison and Optimization

非寿险保费撬动保险金额的杠杆较大,属于保障功能较强的险种,其占比高低体现着保险保障功能发挥程度的强弱。在20世纪,中国非寿险业务占据市场主流地位,进入21世纪后,寿险占比远高于非寿险。本文从寿险对非寿险的挤出效应、居民保险意识淡薄、财险公司业务增长点低、财险公司命名与其经营范围不符等角度探究了寿险业务与非寿险业务结构占比失衡的原因和影响,并提出相关对策建议。

Non-life insurance premium can produce more compensation with stronger insurance function, so its share marks the role of insurance. In the 20 century, non-life insurance is the main product in the market, and in the 21 century, life insurance had a larger share. This paper discusses the reason and effect of disproportion of life and non-life insurance from the aspect of crowd-out effect of life insurance on non-life insurance, weak insurance willingness of households, low growth-point of property insurance company, and mismatch of name and scope of property insurance company. And it provides policy suggestion in the end.