我国中小企业非寿险保险产品与市场分析  

An analysis on non-life insurance products for small to medium enterprises and its market

作　　者：白大为 徐睿 陈建军[2] 

机构地区：[1]永诚财产保险股份有限公司,上海200120 [2]河海大学商学院,江苏南京210098

出　　处：《保险研究》2008年第1期41-43,共3页Insurance Studies

摘　　要：由于种种原因,我国中小企业的实际投保率非常低,保险公司在中小企业开展业务很难。尽管中小企业非寿险保险面临着长期供求积极性都不高的局面,但是由于其市场潜力巨大,也吸引了多家财产保险公司纷纷"试水"。目前已经有多家产险公司开展了针对中小企业的保险产品,从长期来看,我国中小企业非寿险投保率必将得到大幅度的提高,广大中小企业将得到充分和优质的保险服务。但是发展过程需要政府、监管机构和保险双方的共同推进才能完成。Due to various reasons, SMEs＇ participation in insurance programs is very low, and it is difficult for insurers to push insurance plans to SMEs. Even though, there is only laggard demands, many property insurance companies, attracted by the great potential, have enthusiastically launched into this market. Currently, many insurers have developed products specifically for SMEs. In the long run, their participation in non-life insurance should be increased by a high margin and SMEs will, in return, receive quality insurance services. However, this goal can only be achievable with joint efforts of government, regulator and insurers.

关 键 词：中小企业 非寿险 保险产品 保险市场 

分 类 号：F840.65[经济管理—保险]