AboutOnpropertyinsuranceindustrytrendsAbstract:Sincereformandopening,China’spropertyinsuranceindustryhasbeenrapiddevelopment,increasinginsurancecoverage,awarenessofriskhasalsobeenstrengthened,nationaleconomicdevelopmenthasmadeimportantcontributions,butontheotherhand,thecurrentdomesticpropertyinsuranceindustrytherearemanyshortcomings,propertyinsurancepaperwillanalyzethesituation,pointedoutthattheexistenceofrelatedissues,andonitsfuturedevelopmenttrendsmakeafewsuggestions.Keywords:propertyinsurancestatusanddevelopmenttrends,issues.Inthepropertyandcasualtyinsuranceindustry,therapiddevelopmentofthecase,westillhavetoclearlyunderstandtheproblemsoftheindustryisstillworthpayingattentiontothestatusquotoimprovetimelybasis,sothatpropertyinsuranceindustryinthefuturedevelopmenttowardthegood.1Apropertyandcasualtyinsuranceindustrystatusquoandexistingproblems.(A)Chinesepropertyinsuranceindustrystatusquo.Atthisstage,atotalof52typesofpropertyandcasualtyinsurancecompanies,mainlyintheChinesemarket,theoverallpatternofcommercialinsurancecompanies,domesticandforeigninsurancecompaniesexist,severalinsurancecompaniescompeteduetoChina’srapideconomicdevelopment,expandingopenness,EspeciallyinChina’saccessiontoWTO,thecommercialinsurancemarkethasbeenfurtherliberalized,makingalargeinfluxofforeigninsuranceinstitutionsofChina’smarket,thedomesticinsurancecompanieshadatremendousimpact.present,China’spropertyinsurancecompaniesfaceishowtofacetheprimarytasktothischallenge,tosolvetheexistingproblemsinthedevelopment,crossedaffectthefurtherdevelopmentoftheindustrythisbridge.(Two)Chinesepropertyinsuranceindustryproblems.2Inthepropertyandcasualtyinsurancemarketishighlycompetitivedomesticcircumstances,propertyandcasualtyinsuranceindustryisstillourcountryhasmanyproblems:1,thelackofrationalityinsurancestructure,extensivebusinessmodel.Foralongtime,China’spropertyinsurancecompany’sbusinessmodelisextensive,includingassessmentindicatorsconfinedtobusinessgrowthrateandmarketshare,andmanyinsurancecompaniesonlypursueexpandingthescale,toseizethepropertyinsurancemarket,sothattherisingcostofdoingbusiness,Althoughmanypropertyinsurancepremiumincomehasincreased,however,claimsexpenditureishigherthanthepremiumincrease.risksonoperatingcostsandclaimsnotpaidenoughattention,justbusyblindpursuitofgrowthinpremiumincome,oftendonothaveaccesstoalargereconomicbenefits.2,theinsuranceregulatorycapacityandlevelof3inadequateinternalcontrolsystemisimperfect.Ontheonehand,theinsuranceregulatoryframeworkofthesystemisstillnotperfectenough,sometargetedandoperationalsystemisstillrelativelylowinthepropertyandcasualtyinsuranceindustryinanincreasinglycompetitivemarketcircumstances,theinsurancecompaniesforfinancialgain,havebeenexpanding,continuetowincustomerswithpremiumincome,resultinginahigh-fee,high-return,lowratesofviciouscompetitionontheotherhand,theinternalcontrolsystemdidnotattractenoughattention,unabletoimplementappropriatechecksandpenalties.3,operationmechanismandmanagementlevelisrelativelybackward.Developmentprocess,becauseinsurancecompaniesarenotoperatingmechanismhasbeenimprovedcorporatesocialandeconomicbenefitscannothandlethecontradictionbetweenthesametime,thelevelofcorporategovernanceislimited,cannotreasonablybesetupdepartmentsandpositions,suchas4internalandexternalstructuralimbalancesgroundcomparedtothesituationmanywithinthecompanyfailed...