我国保险保障功能之研究

Analysis on China's Insurance Protection Functions

目前我国的保险保障,不论是商业保险还是社会保险都存在着总体水平较低、结构不合理等问题,同时保险理赔难、保险人才匮乏等问题也制约了保险保障功能的发挥。因此,需要创造有利的发展环境,优化险种结构,提高理赔效率,加快人才培养以及协调城乡失衡。

China＇s current insurance protection, both commercial insurance and social insurance, experiences overall low level, unreasonable structures, low satisfaction of claims, and lack of talents. All these have restricted the fulfillment of insurance protection function. The article puts forward countermeasures via analyzing the current situation and existing problems of China＇ s insurance protection.