Research On Relation Between Adjustments Of Business Structure To Improvement In Underwriting Profit

Since China had recovered the business of Property insurance, the insurance premium had increased as the speed 25.3% per annum. And the property insurance has takes more and more important part in the economy building. But the high speed development can not cover up existent questions,the underwriting rate is so low and the industry develops so slowly. In china insurance market, the insurance premium increases so quickly but develops so bad, we think the most reason is that the structure goes wrong. Insurance company had exploited so many products, but those products can't meet the market's need. Some times, the insurance company exploited products to market in risk.The structure problem is being a big question in the market. Many people had advanced ideas and measures to resolve the problem. The main idea is to change the business structure in company. They though the car insurance business have take too much part in business.Banding the newest theory about business structure,insurance market need,underwriting profit together with the instance of PING AN property company, the thesis bring forward countermeasure improving underwriting profit rate。The thesis discuss in five steps:Firstly: introducing theory about business structure and underwriting profit。Secondly: expounding the genesis,status,direction about property insurance in china。Thirdly: analyzing the status about Business structure and underwriting profit in PING AN property company。Fourthly: analyzing the PLC of business in PING AN property company。Fifthly: advancing the ideas and measures to resolve the problem。...