| When people engage in various work and social activity, they always have lots of risks. In order to make production continuous and life stable, people always take strong measures against all kinds of hazards. Thus, insurance emerges. Insurance is the action that proposer pay the insurer for the premium, and the latter, under the terms of the contract, agrees to indemnify assuror for loss of the property, or reimburse assuror when they are dead, disability, sicken, or reach the age or deadline of the contract.Our insurance industry started very late. Compared with the advanced foreign insurance company, there are many disparities not only in capital, the technique of developing production, the exhibiting mode, but also in the management level, and the ability of dealing with market change. Today Chinese insurance industry confronts globalizing economy, intense competition, and information network, so it is necessary to open our market and become a member of international insurance industry. American insurance industry is most advanced, whose size is one third of international insurance industry. The market mode, administrating and supervising systems, operating manner, and the usage of high tech made American insurance industry the mainstream of the world. Thus, it is much more importance to pay attention to the development of American insurance industry, investigate and absorb the beneficial experience, which can accelerate to make our insurant industry a member of globalizing economy. It also of concern to refresh our mind, improve the management, intensify core competition, and make the multinational development come true.This article includes six chapters, including insurance and its principle, historical reform of American insurance industry, the management characteristics of modern American insurance industry, and the effect on improving American economy, the factor of promoting the development of insurance, the general development situation, contradiction, and the developing strategy of our insurance industry.The first chapter expounds the conception, introduces the meaning, character and classify of insurance. And indicates that assuring the insurance must possess five elements: firstly, existent of insurable risk; secondly, congregation and disgregation of many homogeneous risks; thirdly, rating of insurance premium rate; fourthly, setting up insurance capital; fifthly, making the insurance contract. At the same time, it elucidates the operating principle of insurance industry. It also indicates that the basic theory on which the insurance based is probability。The principle of insurance built on the important principle of probability—law of large numbers,which is the mathematic basis of insurance. The second chapter elucidates the historical reforms of American insurance industry. America is the most successful country in insurance industry. Early to 1759, the first life insurance organization had been established. The first life insurance company was set up in 1792. It had continued developing from 1930s, 1960s, to 1980s. In 1990s, the need for insurance and the kind of insurance became much more complex in American society, so insurance companies continued developing the product, strengthened the interior management, and lowered the cost. Event "9?11", happened in 2001, was the watershed of American insurance, made American insurance companies recheck the conception of insurance and the defect of contemporary system. The event would influence American insurance industry for a long time.American insurance industry continues developing for two hundreds years, from small to big, from week to strong. In 2002, the premium of American insurance market was up to 1,008.1 billion dollars, one third of the world's total premium, and was the first one of the world. With its specific function of balancing, insurance have penetrated into every American living, and play a great role of American economy. The third part discussed the management characteristics of American modern ins...
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