2015年湖南省产险行业市场分析及其发展对策

湖南作为中部省份,保险发展一度比较迟缓,但近年来,随着湖南省经济的迅速发展,产险业获得了发展的良好外部环境,主体不断增多,市场开放水平显著提高,保障功能逐渐加强,市场体系愈发完善,各条产品线业务规模屡创新高,本文从总体、各市州、各保险主体、各险种发展情况四个角度力证湖南财险发展成绩斐然,成绩面前必须认清楚存在问题:发展不均衡、缺乏竞争、产品线不合理、缺乏专业人才,并针对问题提出若干可行的改革措施。

Located in the middle of China, Hunan province was once slow in development of insurance. While recently, with the rapid development of economy, the property insurance in Hunan province has got a sound external environment. The number of insurance companies keeps increasing, the opening level of market dramatically improves, the function of protection is gradually enhanced, the market system improves and the size of business in all lines of products frequently records high. This paper tries to prove that the property insurance in Hunan has made marvelous progress from the following aspects, i. e. the general development of each city, number of insurance companies, and the development of each class of insurance. Nevertheless, the existing problems cannot be ignored, including the imbalance of development, lack of competition, improper product lines, short of talents. In the end, some feasible reforming suggestions are proposed to resolve the nrohlems.