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企业财产保险是我国保险企业的骨干险种,在我国保险业务发展中具有举足轻重的地位。我国现行的企财险条款是沿袭五十年代的办法演变而来的,虽几经修改,但毕竟是计划经济的产物。实践证明,在社会主义市场经济体制下,在建立现代企业制度过程中,该条款的保险责任及保险费率,已不能完全适应新形势的需要。具体表现在:保险责任过宽,费率统得过死,
Enterprise property insurance is the backbone of China’s insurance business, insurance, in the development of China’s insurance business has a pivotal position. The current provisions of our country’s PICC property have followed the methods of the 1950s and evolved. Although they were revised several times, they are, after all, a product of the planned economy. Practice has proved that in the process of establishing a modern enterprise system under the socialist market economic system, the insurance liability and insurance rates of this Article can no longer fully meet the needs of the new situation. Specifically reflected in: insurance coverage is too wide, the rate too dead,