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本文从经济高速发展、保险业迅速发展壮大与财产险行业增长相对迟缓的数据对比出发,分析了我国财产险市场费率水平持续偏低,影响行业偿付能力的现实状况,从行业特性、市场竞争与经营管理三个方面分析了形成财产险市场费率水平偏低状况的原因,并提出了主管机构监管干预、运用再保险管理手段和提高经营管理水平,改善竞争状况,加强行业自律三个层面的问题解决方案。
Based on the contrast between the rapid economic development, the rapid development of the insurance industry and the relatively slow growth of the property and casualty industries, this paper analyzes the actual situation that the level of the property insurance market in China is still low and affects the solvency of the industry. From the characteristics of the industry and market competition And management, analyzes the reasons for the low level of the market rate of property insurance in the three aspects, and puts forward the following three aspects: the regulatory intervention of the regulatory agencies, the application of reinsurance management measures, the improvement of management level, the improvement of competition and the enhancement of industry self-regulation Problem solution.