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Assignment代写:Family property insurance

2017-11-16 来源: 51due教员组 类别: 更多范文

下面为大家整理一篇优秀的assignment代写范文- Family property insurance,供大家参考学习,这篇论文讨论了家庭财产保险。如今的房屋保险产品设计是非常不合理的,大多数保险公司设计的财产保险产品对家庭财产保险的覆盖范围实际上忽略了相对于巨额保险需求。而且大多数房主的保险产品的责任范围过于狭窄,并不重视民事责任风险和信用风险承保。

Family property insurance,家庭财产保险,assignment代写,paper代写,留学生作业代写

Most of our current homeowners insurance such as cash, technical data, charts, antiques, notes, and can not be identified to determine the market value of the property can not be maintained in the range of the property. However, in recent years, China's per capita GDP has grown rapidly, the residents of the property structure has undergone great changes, ordinary family-owned luxury goods and collectibles is a common phenomenon, the other residents of the importance Investment has marketable securities and other investment products. Most insurance companies design possessions insurance products will also sort of family property insurance coverage is actually ignored relative to the huge demand for insurance, and insurance needs.

The mature homeowners insurance generally covers damage to property risk, personal risk, civil liability, any risk and credit risk. Most homeowners insurance products on the market in China scope of its responsibilities is obviously too narrow and did not attach importance to civil liability risk and credit risk underwriting. For example, my homeowners insurance are not clearly defined, family members movable and master invites guests home guest property can be guaranteed. Some new insurance needs, such as home improvement, short-term out temporary insurance, do not support the current terms and insurance.

Domestic insurance companies with the "unification" type policy terms, rates are generally administrative units to develop, however, in the same administrative area vary widely due to the human environment and natural conditions, the level of risk is not the same . In Guangzhou, for example, when the annual rainy season, in some low-lying old town, due to the drainage system fell into disrepair, often Shui Jinjie scene. Different level of property management cell was robbed Pirates of the probability is not the same, and now it is used in the same rate. This is a clear violation of the fairness principle of insurance is not conducive to the insurer's risk control also undermines the interests of the insured.

homeowners insurance premiums low, it is usually not the total amount of business in small quantities, mostly from the collective insurance, and many insurance companies marketing inadequate means a single, in addition to a small amount of marketing, the most active insured by the insured, the insurance company often in a passive state. This marketing system is not yet formed, difficult to address the characteristics of the property insurance effectively carry out marketing activities, and the formation of a good system of sustainable development. Insurance companies homeowners insurance marketing system is imperfect because there are two.

Insurance companies in the process of developing homeowners insurance, since the early history of the trade union and other organizations focus on insurance, later rely on bank agent. These channels at different points in time become the main channel of marketing, and the development of other channels basically at a low state, or did not play its due role, making the insurance companies produce their own laborious due to running the family property insurance, the effect is very little Some neglect the importance of extended family property insurance marketing channels. In addition, in recent years the bank to adjust interest rates, customers have early repayment, surrender the situation is more serious. At the same time, in the process of surrender, the fee paid to the bank's most difficult to return, leading to some insurance company's bank agency business caught in a dilemma. In recent years, with the continuous development of e-commerce, many insurance companies have started Internet sales of property insurance, but the channel has not been vigorously promoted, or in a start-up phase, the network insurance premiums Revenue is still in a relatively low level.

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