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2001年3月至2004年底的三年多时间里,全国财产保险公司向保险监管部门报备和修改各类责任保险产品累计590多个,全国责任险业务的萎缩迹象已经非常明显。2004年,责任险同比负增长已经达到了5.59％。 在发达国家里,责任险是普及于很多行业的大险种,产品多达上千种,占财产险业务的比重一般为20%,已经成为企业转嫁经营风险的主要方式。普遍观点认为,阻碍中国责任险发展的主
From March 2001 to the end of 2004, more than 590 accumulatively more than 590 liability insurance products were issued and amended by the national property insurance companies to the insurance regulatory authorities. The sign of the contraction of the national liability insurance business has been very clear. In 2004, liability insurance year-on-year negative growth has reached 5.59%. In developed countries, liability insurance is a widespread insurance in many industries, with thousands of products, accounting for 20% of property insurance business, which has become the main way for enterprises to pass on business risk. The general view is that the main obstacle to the development of China’s liability insurance