中國財產保險市場的研究

Abstract

本文從中國現有經濟發展，以及其他國家市場比較下，來分析財產保險商品和市場的發展，解析政府政策和監督管理力道，評估保險參與者之間的競爭，藉此來了解中國目前的財產保險市場。\n中國加入WTO已近十年，經濟的快速發展，使財產保險市場規模不斷擴大。中國財產保險市場仍具有相當發展潛力，因此深入研究這一課題有助於進入市場的評估。\n本文將分析中國現有財產保險市場及其投資環境的利弊，同時預測未來發展。投資者或參與者可以藉由本文瞭解整個財產保險市場情況。特別是2010年兩岸經濟關係透過海峽兩岸經濟合作架構協議有新的突破，臺灣保險公司或投資者可藉此檢視和決定其於中國大陸財產保險市場的經營策略和步驟。

This paper seeks to understand the current Chinese property insurance market by surveying the economic development in China, comparing with other countries’ markets, identifying the property insurance development toward the products and markets, clarifying the governmental policy and supervision from the legal requirements, and assessing the competition between insurance participants.\nIt is nearly ten years since China entered WTO, and the rapid economic developments have brought about the correspondent scale of property insurance market. It is believed that there’s still huge potentiality in China’s property insurance market and therefore studying the topic deeply can help have access to the market.\nThis thesis would analyze the advantages and disadvantages of the existing property insurance market and investing environment in China and meanwhile predict the future development. It can be a useful reference and able to let the investors or participants understand the whole circumstances before making any decisions. In particular, a new breakthrough, the Economic Cooperation Framework Agreement (ECFA), has been made in economic relations across the Taiwan Strait in 2010, and it is a good time for Taiwanese insurance companies or investors to overlook the Chinese property insurance market and afterward decide the step and strategy.