【正文】 第一章 美國財(cái)產(chǎn)保險(xiǎn)發(fā)展分析 ....................................................................................................................8第一節(jié) 美國財(cái)產(chǎn)保險(xiǎn)市場轉(zhuǎn)型分析 ........................................................................................................8第二節(jié) 美國的商業(yè)財(cái)產(chǎn)保險(xiǎn)的經(jīng)驗(yàn)分析 ..............................................................................................10一、保險(xiǎn)合同格式標(biāo)準(zhǔn)化，做到相互銜接和配套 ............................................................................10二、擴(kuò)大可保財(cái)產(chǎn)范圍 ........................................................................................................................10三、增加通用條款 ................................................................................................................................11四、增加保險(xiǎn)金額確定方法的選擇權(quán) ................................................................................................12五、增加配套的新險(xiǎn)種 ........................................................................................................................12第三節(jié) 美國財(cái)產(chǎn)保險(xiǎn)公司破產(chǎn)成本分析 ..............................................................................................13一、美國的保證基金體制 ....................................................................................................................13二、破產(chǎn)成本的時(shí)間路徑 ....................................................................................................................14三、每一保險(xiǎn)公司破產(chǎn)案件的平均成本 ............................................................................................17四、影響破產(chǎn)成本大小的因素 ............................................................................................................18五、破產(chǎn)成本高昂的原因分析 ............................................................................................................20第四節(jié) 美國上市財(cái)產(chǎn)保險(xiǎn)公司的投資風(fēng)險(xiǎn)分析 ..................................................................................22一、投資基本情況 ................................................................................................................................22二、投資風(fēng)險(xiǎn)分析 ................................................................................................................................24三、投資風(fēng)險(xiǎn)對美國上市財(cái)產(chǎn)保險(xiǎn)公司的影響分析 ........................................................................28第五節(jié) 中美商業(yè)財(cái)產(chǎn)保險(xiǎn)條款比較分析 ..............................................................................................30一、保險(xiǎn)財(cái)產(chǎn)范圍的比較 ....................................................................................................................30二、基本險(xiǎn)比較 ....................................................................................................................................31三、綜合險(xiǎn)比較 ....................................................................................................................................31四、一切險(xiǎn)比較 ....................................................................................................................................31五、主要附加險(xiǎn)的比較 ........................................................................................................................32六、保險(xiǎn)價(jià)值確定方法的比較 ............................................................................................................33七、美國普遍存在而在我國尚未采用的條款 ....................................................................................33第二章 2022 年中國保險(xiǎn)業(yè)發(fā)展?fàn)顩r及 2022 年展望分析 .......................................................................36第一節(jié) 2022 年中國保險(xiǎn)業(yè)運(yùn)行狀況分析 .............................................................................................36一、公司經(jīng)營趨向理性 ........................................................................................................................36二、業(yè)務(wù)增長速度明顯提高 ................................................................................................................36三、財(cái)產(chǎn)險(xiǎn)實(shí)現(xiàn)高速增長 ....................................................................................................................36四、業(yè)務(wù)質(zhì)量逐步改善 ........................................................................................................................36五、專業(yè)化管理不斷加強(qiáng) ....................................................................................................................37六、綜合經(jīng)營取得實(shí)質(zhì)性進(jìn)展 ............................................................................................................37七、保險(xiǎn)監(jiān)管進(jìn)一步加強(qiáng) ....................................................................................................................37八、市場秩序趨向好轉(zhuǎn) ........................................................................................................................37九、行業(yè)改革進(jìn)一步深化 ....................................................................................................................38十、行業(yè)發(fā)展實(shí)力顯著增強(qiáng) ................................................................................................................38第二節(jié) 20222022 年中國保險(xiǎn)業(yè)保費(fèi)收入情況 ....................................................................................38一、20222022 年中國保險(xiǎn)業(yè)保費(fèi)收入總體情況 .............................................................................38二、20222022 年中國財(cái)險(xiǎn)業(yè)保費(fèi)收入情況 .....................................................................................39三、20222022 年中國保險(xiǎn)業(yè)保費(fèi)收入中財(cái)險(xiǎn)所占的比例 .............................................................39第三節(jié) 20222022 年中國保險(xiǎn)業(yè)支付各類賠款及給付情況 ................................................................40一、20222022 年中國保險(xiǎn)業(yè)支付各類賠款及給付總體情況 .........................................................40二、20222022 年中國保險(xiǎn)業(yè)財(cái)險(xiǎn)業(yè)支付各類賠款及給付情況 .....................................................40三、20222022 年中國保險(xiǎn)業(yè)支付各類賠款及給付中財(cái)險(xiǎn)所占的比例 .........................................41第四節(jié) 2022 年中國保險(xiǎn)行業(yè)展望分析 .................................................................................................41一、宏觀經(jīng)濟(jì)形勢繼續(xù)看好，為保險(xiǎn)業(yè)發(fā)展提供良好的基礎(chǔ) ........................................................41二、金融市場競爭日趨激烈，保險(xiǎn)業(yè)面臨新的發(fā)展機(jī)遇和挑戰(zhàn) ....................................................42三、進(jìn)一步加強(qiáng)改善監(jiān)管、防范化解風(fēng)險(xiǎn)，促進(jìn)保險(xiǎn)業(yè)創(chuàng)新發(fā)展 ...............................................