优化产险保费结构助力实体经济发展

Optimizing the Premium Structure of Property Insurance to Boost the Development of Real Economy

产险结构是险企服务实体经济的映射。基于保费收入视角研究我国的产险结构,发现我国产险严重依赖机动车辆保险的发展,不能全面、高效服务实体经济。进而提出改善企财险条款吸引实体经济投保;发挥防灾防损功能助力实体经济减损;政府加大强制险出台力度以及扶助农险“最后一公里”等对策,这既有助于优化产险结构同时又有助力实体经济健康发展。

Property insurance structure is the mapping of insurance enterprises serving the real economy.Based on the perspective of premium income,this paper studies the structure of property insurance in China,and finds that property insurance in China relies heavily on the development of motor vehicle insurance and cannot serve the real economy comprehensively and efficiently.Then it puts forward some countermeasures,such as improving the property insurance clauses of enterprises to attract real economy insurance,giving full play to the function of disaster prevention and loss prevention to help real economy reduce,increasing the introduction of compulsory insurance by the government and supporting the “last kilometer” of agricultural insurance,which not only helps to optimize the structure of property insurance,but also helps the healthy development of real economy.