USA的家庭财产保险发展现状：Development status of the family property ins

1.introduction引言

家庭财产保险是美国恢复国内保险业务以来，开展业务较早，发展较快，覆盖较宽的骨干险种之一。家庭财产保险包括灾害保险、第三者责任保险、盗窃保险等。据了解，世界发达国家家庭财产保险的普及率已达70％。但是，美国目前的家庭财产保险覆盖面不到10％，而且很大比例是政府机构购买的。
Homeowners insurance in the United States since the recovery of domestic insurance business , doing business earlier , faster development , one of the key insurance cover wide . Homeowners Insurance including disaster insurance, third party liability insurance , theft insurance. It is understood that the world's developed countries homeowners insurance penetration rate has reached 70%. However , the current U.S. homeowners insurance coverage is less than 10% of the surface , and a large proportion of the organs, enterprises and institutions as a benefit to the cadres and workers to buy less insurance premiums , the amount is low, the vast majority of underinsurance , some simply will not achieve protection. In some large cities homeowners insurance .

家庭财产保险的发展跟美国不断发展的经济发展状况不同，在保险公司业务收入方面，自2003年以来保费收入出现了逐年下降的趋势，这与美国日益增长的保险发展相悖。

Development of homeowners insurance with the continuous development of American economic development is different in the insurance company's business income, premiums since 2003 there has been a declining trend , which is inconsistent with the United States growing insurance development. Since 2000 , the United States sustained and rapid economic development, the 2005 savings deposits of urban and rural residents to break 14 trillion yuan , the heat of urban residents reached 10,493 yuan per capita disposable income , while significantly increasing the number of family-owned housing durables and home appliances .

收入水平的提高使得居民对大型家庭消费品有了更高的球的同时，家庭理财也越来越来越受到居民的重视，居民对保险的购买力也相应的提高，在此基础上，家庭财产保险的有了一定的基础。
Raise the income level of residents making consumer goods for large families have higher goals , while family finances are more and more attention of residents , residents of the insurance corresponding increase in purchasing power , on this basis , homeowners insurance have a certain foundation.

2.the theory正文
 

After the fire accident, Jing'an District command center at the scene set up a working group from the scene and rescue , medical rescue to take emergency measures , crime prevention and control , logistics and other aspects . Shanghai Party Secretary Yu rushed to the scene to guide the first time to the rescue , and the Jingan District Hospital to visit the wounded. Yu requiring departments to go all out to control the fire , rescue the injured , rehabilitation and resettlement work really good job . Police, fire and health departments full fire rescue, rescue the injured. After the incident was set up in the aftermath of the accident disposal teams , the treatment of the wounded from the arrangement , placing the affected residents, to compensate the death of personnel , compensation for damaged houses and so on, the government parties have a lot of work , put the losses and minimize the impact of the event level. And we are concerned about insurance companies in the accident revealed a very prominent issue , the insurance company 's security function is minimal in the accident . We know that after the accident, the insurance company had opened a green channel claims to be working to protect the insured person . And this number is only one part of a very small part , for most other people, the insurance companies and the protection function is not reflected . In this fire , you can find there are a lot of people did not buy the status quo homeowners insurance , and insurance companies develop homeowners insurance has emerged predicament.

 

Economic growth makes the increase household income homeowners insurance does not allow to obtain the corresponding development , from 2001 to 2005 , the U.S. non-life insurance premiums grew from 68.824 billion yuan to 12.874 billion yuan , an average annual growth rate of 16.03% , of which motor vehicles insurance, property insurance and cargo insurance and other insurance have achieved good growth, while homeowners have seen a decline of 1.4% annually from 2003 to 2005 the average annual property insurance business to shrink by more than 19%. In 2008 , the U.S. non-life insurance premium income of 246.625 billion yuan , an increase of 35.976 billion yuan , the growth rate was 17.24% , of which property insurance than in 2007 dropped by 25.45% .

 

U.S. existing home property insurance mostly to the property in cash, technical data, charts, antiques, and other bills can not be identified to determine the market value of such property without insurance coverage . However, the U.S. per capita GDP grew rapidly in recent years , great changes have taken place in the property structure of the residents , the average family has the luxury and collectibles is already a common phenomenon , another resident has focused on investment banking marketable securities and other investment products. Most insurance companies will design possessions insurance products like homeowners insurance coverage , in fact, is to ignore the huge demand for insurance phase , and is valid insurance needs.

 

At present the domestic insurance companies are using the "universal " type of policy provisions , rates are generally established by administrative units , however, in the same administrative area due to the vastly different cultural environment and natural conditions , the level of risk is not the same . Guangzhou, for example , the annual rainy season , when some of the more low-lying in the old city , the drainage system due to disrepair , often Shui Jinjie scene appears. Different levels of residential property management was robbed of the chance of theft is not the same , but now it is used in the same rate. This is a clear violation of the principle of fairness insurance , is not conducive to the insurer's risk control also harm the interests of the insured person's part .

 

Homeowners insurance companies selling property insurance is poor, mainly due to lower homeowners insurance premiums , the total amount is generally small , the small number of businesses , it mostly comes from the collective insurance , but many insurance companies have not done enough marketing means a single, except for a small amount of selling , most rely on active insurance policyholders , insurers often in a passive state. The marketing system is not formed , it is difficult to effectively target the characteristics of property insurance effective marketing activities , and thus form a good system for sustainable development . Cause insurance companies homeowners insurance marketing system is inadequate for two reasons .

3.conclusion结论

In the process of the development of the insurance company homeowners insurance , and since the early history of the trade union and other organizations focus on insurance , then rely on the bank agent. These channels at different times have become the main marketing channels , and the development of other basic channels at a low state, or did not play its due role in making the insurance companies produce their own homeowners insurance due to operate effortlessly , seldom effective while others neglect extended homeowners insurance marketing channels importance. In addition, because the bank to adjust interest rates in recent years , customers have early repayment , making the situation appear more serious surrender . Meanwhile, in the surrender process, the fee has been paid to the bank's most difficult to return , resulting in some of the bank agency business insurance companies caught in a dilemma . Although in recent years with the development of e-commerce, many large insurance companies have launched online sales of property insurance , but it has not been a channel to promote , or at an initial stage, achieved through a network of insurance premiums still at a relatively low income level .