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我国十五计划确定:实现国民经济的健康发展,必须以提高经济效益为中心,对经济结构进行战略性调整。这一要求对全国各行各业都具有十分重要的指导意义。当前非寿险公司的险种结构可分为三大块,即:运工险类、企财险类、分散性险种类。运工险类和企财险类为传统险种,分散性险种类主要是指家财险、货运险、责任险、建安险等险种。传统险种所占比重较大,赔付率相对较高,展业费用率较高,分散性险
China’s 15th plan confirms that to realize the healthy development of the national economy, we must make a strategic adjustment to the economic structure with the focus on improving economic efficiency. This requirement has very important guiding significance for all walks of life in the country. The current non-life insurance company’s insurance structure can be divided into three blocks, namely: transport insurance, corporate insurance, diversified insurance types. Transport insurance and corporate wealth insurance for the traditional types of insurance, diversified types of insurance mainly refers to the family property insurance, cargo insurance, liability insurance, construction insurance and other insurance. The proportion of traditional insurance is relatively large, the compensation rate is relatively high, and the exhibition expense ratio is higher.