家庭财产保险是我国恢复国内保险业务以来,面市较早、发展较快、覆盖面较宽的险种之一。十几年来,保险条款经过不断地修改和完善,变单纯保险功能为保险储蓄双重性能,变综合责任一体为可选责任范围扩大,使险种更具灵活,可操作性和实用性强。加之险源丰富,国民保险意识不断提高,保险企业自身努力等原因,家庭财产保险业务得到了迅速发展。但是,由于经营管理不善以及条款自身存在的问题,致使赔付率攀高,在某种程度上,影响和制约了业务发展。特别是1995年新修订的条款,虽然考虑到市场等因素,但仍有局限性。 一、市场份额小,单位保额低。几年来,随着我国城乡经济的迅猛 Family property insurance is one of the types of insurance that has been launched earlier, developed rapidly and has a wider coverage since the restoration of the domestic insurance business in our country. Over the past ten years, the insurance clauses have been constantly revised and perfected, and the simple insurance function has become the dual performance of insurance savings. The transformation of the comprehensive responsibility into an optional scope of responsibility has expanded the scope of insurance so as to make the insurance more flexible, practical and practical. Coupled with the rich source of insurance, the continuous improvement of national insurance awareness and the efforts of insurance companies themselves, the family property insurance business has enjoyed rapid growth. However, due to the problems of poor management and the existence of the clauses themselves, the loss ratio has risen to a certain extent, influencing and restricting the business development. In particular, the newly revised article in 1995, although taking into account such factors as the market, still has its own limitations. First, the market share is small, the unit insured low. In recent years, with the rapid economic development in China’s urban and rural areas