| The goals, building a well-off society in an all-round way in the first twenty years of this century and realizing modernization on the whole by the middle period of this century in China, were established at the 16th National Congress of the Communist Party of China (CPC). In the course of achieving the great goals, insurance is assuming a grand mission of speeding up reformation, ensuring economy, stabilizing the society and benefiting people. First of all, we are in an era of revolution, opening and great development, people are paying more attention to seek great economic benefit, quick working pace and good living quality, and this need insurance to provide omnidirectional and multilevel venture guarantee, and put forward new and higher demand for insurance. Second, insurance has more room to develop because socialist market economy system has established preliminarily and reformation of every aspect is deepening. Furthermore, strategic adjustment of economic structure and implementation of expanding domestic demand, developing of the West Regions and making the Northeast Old Industry Base prosperous, not only bring along the vigorous development of every causes such as installations but also need suitable service provided by insurance. At last, after entry into WTO, insurance will be an important measure supporting international trade and international investment. To sum up, the more economic develops, the more important insurance is, and the more theoretical guidance insurance needs. This dissertation is divided into the following three parts: In the first part, development history of property insurance market is reviewed and appraised basically. People's Insurance Agent of China was established on Oct. 20th, 1949. Property insurance basically was the main part of early insurance after establishing our country. With the gradually accomplishing of socialism reconstruction, components of national economy in our country are simplifying gradually, at last only state-owned economy and collective economy are left. In December of 1952, at Wu-han countrywide finance and trade meeting, a decision was made that domestic insurance business must stop. After stopping domestic business, People's Insurance Agent of China would be an insurance agent specializing in business concerning foreign affairs. In 1979 People's Insurance Agent of China resumed its domestic business. Until 1990 there was only one agent, namely People's Insurance Agent of China, managing insurance business. After 1990s, with the establishment of Pacific Ocean Insurance Agent of China and Safety Insurance Agent of China, the situation of three agents monopolizing management came into being in our insurance market. After 1991 many agents were established, such as Sinkiang, Min-an, Tian-an, Popular Insurance Agency, America Amerasian, Japan Tokyo At Sea, etc. But they were territorial agents, and their portfolio is small, and had moderate influence on countryside insurance market. Though there was quite great progress in insurance market of our country, by studying property insurance deepness and density within recent over 20 years, it could be found that insurance market of our country was still at a lower level of development relative to the increase of domestic economy and population number. Property insurance market of our country was very immature and short of effective competition system, and insurance still belonged to infantile industry controlled by our government.In the second part of this dissertation present situation of property insurance market of our country is analyzed. From the main bodies of property insurance market and market structure, it can be seen that with the reformation of insurance system of our country and opening of market, main bodies of property insurance market are becoming more gradually. Up to the end of 2002, there were 23 insurance agents in China. In a word, in current phase the structure of property insurance market of our country is that oligarch monopolization and monopolization competi...
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