A Study On The Status Quo And Development Strategies Of Insurance Assessment Industry In China

Insurance assessor is the product of market economy and social distribution, just like other market media organization. The origin and development of insurance assessor is one of the most important symbols of the insurance market's maturity. At present, our country's insurance assessment industry is in the primary stage: the insurance assessment organization is bumping, but the whole mdustry lacks supply power and the technique is on low-level. The laws are still being made and in the course of perfection. All these prove the wide gap between Chinese insurance assessment industry and that of foreign countries. At the same time China's entering the WTO bring opportunities and huge challenges to the country's insurance assessment industry. In all rounds understanding the status quo of our country's insurance assessment industry, basing on it exploring the strategies for the farther progress of the indutry, has become a very urgent problem facing us. The author will analyze and study it in this article, which is divided into three parts:First it introduces some basic ideas about insurance assessment, including the origin of the world insurance assessment industry, the development of national insurance assessment industry in old China and the importance and function of insurance assessment. It analyzes the origin of the insurance assessment system and the economic background of its development. From the angle of basic economic theories, it elaborates on the inevitability and basic features of the appearance and development of insurance assessment and consequently provides a good basis for the whole thesis.Second, it analyzes the developing environment of our insurance assessment industry, including population, macroeconomic condition, policies and laws, culturalbackground, the situation of the insurance industry, and so on. Based on this and the developing process of modern insurance assessment industry in China, it summarizes the status quo of this industry in China, states several conspicuous problems existing in the development process of China's insurance assessment industry-its unbalanced development, the scarcity in current business, and undesirable operation achievements, the lack of regulation in this industry-and analyzes the fundamental causes of these problems.Last, based on the status quo and the major existing problems, it gives some practical suggestions about China's insurance assessment in a new environment. This part is the kernel of the whole thesis. It includes: regulating and reconstructing the current insurance organs combined with the new-authorized organs, and rapidly fostering a batch of professionals with advanced technology and rich experience; upgrading the technical level of insurance assessment from an all-round way by strictly enforcing the qualification of market admittance, establishing sound insurance assessment education system, strengthening the network construction of experienced insurance assessors; combining the professionals' self-upgrading with the creation of favorable environment for the insurance assessment organs to get out of the plight and increase profits; enhancing the supervision of this industry by perfecting insurance supervisory system; properly handle and stably boost the opening-up of our insurance assessment industry in line with China's own national conditions.