【摘要】 我国财产/责任保险近年来随着经济的发展和产权制度的不断明晰,取得了一定的发展,但其保费收入与人身险保费收入的比例仍然较低。原因是多方面的,但分销系统所存在的问题是制约我国财产/责任保险发展的重要原因。文章通过分析美国财产/责任保险分销系统在实践中的运作与操作,以及背后呈现的重要的经济学原理,揭示我国财产/责任保险分销系统结构调整的必然性。更多还原

【Abstract】 With the development of economy and an increasing perspicuity of property right system, property-liability insurance in China has had some growth,but the proportion between its premium and personal insurance premium has hovered around 1:3 in recent years.The proportion is a far cry from that of U.S.counted by Swiss Re and Property Casualty Insurers Association of America.The reasons there-into are various,but the problems existing in the distribution system are important ones which have restricted the development of property-liability insurance in China.Through an analysis of the U.S.property-liability insurance distribution system operating in practice and the important economic principles exposed behind the operation,the paper reveals the inevitability of a structural readjustment in Chinese property-liability insurance distribution system.更多还原