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法国保险业论文

法国保险有关情况

中国与法国保险市场的比较研究

摘要:中国是全球最具挑战性和最具发展潜力的新兴保险市场之一,挑战与机遇并存。当前,我国商业保险业务发展很快,有力地支持了国民经济的发展,而法国保险市场则较为发达,法国的保险市场是高度竞争的。这种情形可以让投保人受益,让他们以更低的成本获得更好的质量和更多的产品和服务的选择。本文利用历年统计数据,从衡量一国保险市场发达水平的各项指标出发(如:保费收入,保险密度,保险深度和保险市场格局等指标),采用对比分析法对两国保险市场做了比较分析,以期能够更加理性地认识中国保险市场,以及其与世界发达国家保险市场之间的差距。

关键词:保险市场,保险密度,保险深度

Abstract

China is the world's most challenging and the most development potential of emerging insurance market, Challenges and opportunities coexist. At present, China's commercial insurance business has developed rapidly, effectively supporting the national economic development, but France is one of the most developed insurance markets. The French insurance market is highly competitive. This situation benefits policyholders, by giving them access to better quality at lower cost and a more diverse range of products and services to choose from. Competition also exists in terms of sales channels and methods. This article, by using statistical data, from the various indicators which measure a country's insurance market has developed (e.g.: premiums, insurance density, insurance penetration and insurance market structure and other indicators), with the contrasting analysis of the two insurance market to make a comparative analysis, In order to have a more rational view to understand China insurance market and find the difference of the two.

Key words: the insurance market, insurance density, insurance penetration

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一、引言 1

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