从汽车保险侧谈中国汽车工业发展  

Discussion about the Development of China's Automobile Industry from the Perspective of Automobile Insurance

作　　者：石启军 姜小勇 Shi Qijun;Jiang Xiaoyong

机构地区：[1]南通科技职业学院,江苏省南通市226007 [2]中国人民财产保险股份有限公司南通市分公司,江苏省南通市226000

出　　处：《时代汽车》2020年第23期159-160,共2页Auto Time

摘　　要：改革开放以来,特别是进入21世纪以来,车险作为第一大财险险种的地位越发稳健,市场份额高达六成,2017年接近八成。与此相对应的是中国的汽车工业发展迅猛,中国汽车保有量约2.6亿辆,千人汽车保有量从原来不到10辆快速增长到180多辆,达到全球平均水平。车险,中国财产险行业的"主力军",以近八成的市场份额位居国内第一大财险险种。其经营的状况,直接关系到财产保险行业的经济效益,是财险公司效益的"晴雨表"。车险经营的状况紧紧依托于汽车产量、销量和汽车保有量等因素,可以从侧面反映中国汽车发展概况,也是中国汽车工业发展的"晴雨表"。本文分别从汽车保险与汽车工业发展的成长期、调整期作了简要概述,并提出汽车保险应顺应汽车工业的发展进行改革创新。Since the reform and opening up,especially since the beginning of the 21st century,the position of auto insurance as the largest property insurance category has become more stable,with a market share of up to 60%,and close to 80%in 2017.Corresponding to this is the rapid development of China's automobile industry.China's car ownership is about 260 million,and the number of cars per 1,000 people has rapidly increased from less than 10 to more than 180,reaching the global average.Auto insurance,the"main force"of China's property insurance industry,ranks the largest domestic property insurance with a market share of nearly 80%.Its operating status is directly related to the economic benefits of the property insurance industry and is a"barometer"of the benefits of property insurance companies.The status of auto insurance operations closely relies on factors such as auto production,sales,and car ownership,which can reflect the development of China's auto industry from the side and is also a"barometer"for the development of China's auto industry.This article briefly summarizes the growth period and adjustment period of the development of auto insurance and auto industry,and proposes that auto insurance should be reformed and innovated in accordance with the development of auto industry.

关 键 词：汽车保险 财产保险 汽车产销量 汽车保有量 

分 类 号：F42[经济管理—产业经济]