国际财产保险业务结构研究及启示

A Study on International Property Insurance Business Structure and Its Enlightenment

本文基于国际视角,利用经济合作与发展组织数据库(Source OECD)的统计数据,通过宏观和微观两个层面、纵向和横向两个维度详细分析了选自三个大洲的美国、加拿大、德国、英国、法国、日本和韩国七个代表性国家的财产保险业务结构情况。在对样本国家财产保险业务结构深入研究的基础上,提出了我国财产保险公司业务结构优化调整的建议,并在业务占比服从正态分布的假设下,利用统计学中的3σ原则,尝试估算出各类业务的优化比例参考区间。

From international perspectives, and using the data provided by the Organization of Economic Co - operation and Development SourceOECD, this paper analyzed the development of property insurance business and its structure in detail of representative countries of three continents - USA, Canada, Germany, UK, France, Japan and South Korea - from macroeconomic and microeconomic levels and both vertical and horizontal dimensions. Based on the in -depth study of the property insurance business structure in the sample countries, this paper put forward suggestions on how to optimize the business structure of Chinag property insurance companies. Taking advantage of the 3cy principle in statistics,this paper estimated the optimization ratio ranges of various types of business.