福建省保险市场理性发展研究

On the Rational Development of Insurance Market in Fujian

福建省保险市场发展存在诸多不理性的地方,表现在财险方面和寿险方面产品结构不合理,及经营中各种短期行为突出,这些因素影响保险业在服务福建经济发展中功能作用的发挥。通过构建保险市场理性发展相对评价体系,对福建省保险市场理性发展进行评价,显现了福建省保险市场整体上发展不理性的具体程度,为此,要建立健康平衡保险产品结构,大力发展保险专业代理机构,加强保险教育培训,以促进福建省保险市场理性发展。

There is much irrational developmental place in developing Fujian insurance market, showing in unreasonable product structure in property insurance and life insurance, and short- term behavior＇s in operation, which affecting the function of the insurance industry serving Fujian economic development. By building relative evaluation system for the rational development in insurance market, then evaluating on Fujian insurance market, revealing the irrational development in Fujian insurance market, therefore, this paper proposes to create a healthy insurance product＇s structure, develop the insurance professional agencies, strengthens the insurance education training, in order to promote the rational development of insurance market in Fujian.