论西部地区保险业的发展战略与策略

Development Strategies and Tactics of Insurance in West China

我国西部地区保险业发展存在“一个不足两个被动”的局面。西部保险业发展要求实施两项战略:人 身险与财产险并重,侧重财产险;承保与投资并重,重在保险资产的保值增值。发展西部保险业需要 从培育保险意识、培植市场主体、针对西部市场设计新险种、健全资本市场并促进保险资金的直接入 市、加强风险监管5个方面进行具体策略的设计与实施。

In the development of insurance in West China, there exists an inadequacy in an aspect and a lack of initiatives in two aspects. Western Development Strategy requires two strategies; life insurance and property insurance, of which the latter is more important; equal importance of assuming insurance and investing, in which focus should be made in the increase of the value of insurance assest. Efforts should be made in cultivating an awareness of insurance, establishing market subjects, designing new insurances for West China, bettering capital markets and promoting the direct input of insurance capitals , and strengthening the monitoring of risks.