随着改革开放的深入和国民经济的增长,我国的保险事业也得到了迅猛的发展。虽然我国的保险市场起步较晚,市场竞争还处在初级阶段,但竞争也日趋激烈。财产保险是以财产极其相关利益为保险标的的保险。近几年来,财产保险市场规模不断扩大,但由于竞争激烈,市场总体费率水平不断下? With the deepening of reform and opening up and the growth of the national economy, the insurance industry in our country has also witnessed rapid development. Although the insurance market in our country started relatively late, the market competition is still in its infancy, but the competition is getting fiercer. Property insurance is insurance covered by the extremely relevant interest of property. In recent years, the size of the property insurance market has been expanding. However, due to fierce competition, the overall rate of the market is constantly dropping.