我国责任险市场相对欧美发达保险市场而言发展严重不足。从保险人角度来看,外部法律环境不完善、对责任险的认识不足、专业人才缺乏、定价依据不足和投保人逆选择等问题阻碍了市场的发展;但同时,近段时间一些新法规的推出、被保险人法律和索赔意识的增强以及一些“准强制性”险种的推广,又有利于市场的发展;保险人应该立足于现有市场状况,做大传统责任险的业务量,并且协调内部部门关系,转变经营观念,促使责任险市场做大做强。 The liability insurance market in our country is seriously underdeveloped relative to the developed European and American insurance markets. From the insurer’s point of view, the external legal environment is not perfect, the lack of understanding of liability insurance, lack of professionals, lack of pricing basis and adverse selection of policyholders and other issues hinder the development of the market; but at the same time, some of the recent laws and regulations The introduction of the insured person’s law and claim consciousness and the promotion of some “quasi-compulsory” insurance products are beneficial to the development of the market. The insurer should base its efforts on the existing market conditions and expand the business of traditional liability insurance, And coordination of internal relations, change management concepts, prompting the liability insurance market bigger and stronger.