本文選題：家庭財產(chǎn)保險　切入點：美國房屋保險　出處：《廣東財經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：家庭財產(chǎn)保險是指面向城鄉(xiāng)居民家庭并以其住宅及存放在固定場所的物質(zhì)財產(chǎn)為保險標(biāo)的的保險。家財險作為我國開展較早的險種之一，本應(yīng)成為我國億萬個家庭的保障，但是事實卻恰恰相反，我國家財險投保率過低，家財險一直很難發(fā)展壯大起來。本文從我國家財險的現(xiàn)狀出發(fā)，從市場主體、保費收入、保費增長速度三方面著手分析了我國家財險的市場狀況，同時對我國家財險的產(chǎn)品進(jìn)行分析，再對投保率過低的原因作出了具體分析，分析表明最根本的原因就是市場競爭不激烈，導(dǎo)致產(chǎn)品差異化程度低，現(xiàn)有的家財險產(chǎn)品不能很好地滿足消費者的需求。從產(chǎn)品創(chuàng)新的角度出發(fā)，研發(fā)出適應(yīng)市場需求的產(chǎn)品，分析我國家財險產(chǎn)品創(chuàng)新的制約因素和其實現(xiàn)的條件，再結(jié)合美國房屋保險的成功經(jīng)驗，來促進(jìn)我國家財險產(chǎn)品的創(chuàng)新，研發(fā)出適合消費者需求的產(chǎn)品。最后對我國家庭財產(chǎn)保險的發(fā)展提出了一些建議，希望對家財險走出萎靡不振的現(xiàn)狀能有所幫助，，從而促進(jìn)我國家庭財產(chǎn)保險事業(yè)的發(fā)展。
[Abstract]:Family property insurance refers to the insurance for the families of urban and rural residents and the material property stored in their houses and fixed places. As one of the early types of insurance in China, the family property insurance should have been the protection of hundreds of millions of families in our country. However, the fact is quite the opposite. The insurance rate of household property insurance in China is too low, and it has been very difficult for the family property insurance to develop and grow. This article starts from the present situation of the family property insurance in China, starting from the main body of the market, premium income, The paper analyzes the market situation of the family property insurance in China from three aspects of the rate of premium growth, analyzes the products of the family property insurance in our country, and then makes a concrete analysis of the reasons for the low insurance rate. The analysis shows that the most fundamental reason is that the market competition is not fierce and the degree of product differentiation is low, the existing household property insurance products can not meet the needs of consumers very well. From the perspective of product innovation, we develop products to meet the needs of the market. This paper analyzes the restrictive factors and the conditions for the innovation of the household property insurance products in China, and combines the successful experience of the American housing insurance to promote the innovation of the household property insurance products in our country. Finally, some suggestions are put forward for the development of family property insurance in China, hoping to help the family property insurance out of the malaise in order to promote the development of family property insurance in our country.
【學(xué)位授予單位】：廣東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.65

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