我国家庭财产保险发展现状及发展策略【摘要】 本文从我国家庭财产保险的具体发展现状出发，从产品组成、市场规模、用户保险意识等方面研究分析造成家财险投保率低的原因。分析结果显示，由于消费者保险意识、风险意识薄弱、保险公司不注重家财险的宣传等原因，导致家财险普及率低。由于家财险产品结构不合理、保障范围窄、与市场需求脱节等问题，导致家财险投保率低。从推动我国家庭财产保险发展、完善我国家财险市场的角度出发，借鉴美国房屋保险的先进经验，提出促进我国家庭财产保险发展的策略。希望本文的研究内容以及提出的发展策略，能够为家庭财产保险领域相关工作者提出有用建议，深化我国家庭财产保险事业的发展，从而完善我国家庭财产保险市场。【关键词】家庭财产保险；发展现状；发展策略Development Status and Strategies of Family Property Insurance in China[Abstract] This paper starts from the concrete development of our country's family property insurance, research and analysis of the causes of the low rate of family property insurance coverage are from the product composition, market size, insurance awareness of consumer and other aspects. The analysis results show that, because of consumers lack consciousness of risk and insurance companies do not pay attention to the publicity of family property insurance ，the penetration rate of family property insurance is low. Because of the family property insurance products have unreasonable structure, narrow coverage and out of touch with market demand，the coverage rate of family property insurance is low. From the perspective of promoting the development of China's family property insurance and improving China's family property insurance market ， learning from the advanced experience of American home insurance, propose strategies to promote the development of family property insurance in China. It is hoped that the research and the strategies proposed in this paper, can provide useful sugges...
