本文介绍了分类监管的具体含义,结合国际保险监管发展趋势和天津市财产保险业发展特点阐述了实行分类监管的必要性。并结合天津市财产保险业运行特点,通过考察美国财产保险企业破产原因,分析财产保险分公司经营的主要风险点,为确定天津市财产保险分类监管的具体形式和指标体系提供科学依据。 This article introduces the specific meaning of classification regulation, combined with the development trend of international insurance regulation and the development of property insurance industry in Tianjin expounds the necessity of implementing classification regulation. Combined with the operation characteristics of Tianjin property insurance industry, this paper analyzes the main risk points of the property insurance branch companies by examining the causes of the bankruptcy of the U.S. property insurance companies and provides a scientific basis for determining the specific form and index system of property insurance supervision in Tianjin.