我国家财险发展中存在的问题及对策分析

On the Existing Problems in the Development of Property Insurance in China and Its Countermeasures Analysis

家庭财产是保障人们正常生活的必须品,也是人们通过劳动后聚集的个人财富和其价值的体现,其重要性不容忽视。但从目前家财险的投保率来看,我国家庭财产保险的发展还存在较大的问题,一些因火灾、自然灾害等造成巨额家庭财产损失的家庭寄希望于政府的财政拨款,其对家财险的认识依然较薄弱。本文将以家财险在我国的发展现状和常见的问题为出发点,简要分析如何推动国内家财险的发展。

Household property is requisite of keeping normal life, also is individually treasure and value after work. The significance of household property cannot be ignored. However, from the insure rate, there is still a big problem existing in the development of household property insurance in China. Lots of family anchor there hope on financial appropriation from government when they suffer huge lost from fire hazard or natural disaster, which indicates the weak cognition of household property insurance. Begin with the development status and common problems of household property insurance in China, this article briefly analyses how to promote development of household property insurance.