Our Liability Insurance Market Development In The Preliminary Analysis

The liability insurance of our country started at the beginning of the fifties of the 20th century, the insurance kind run at that time was mainly automobile public responsibility insurance business , but the responsibility insurance business of this period keeps being stopped in a few years alone, the responsibility insurance business in the present stage is developed progressively after resuming domestic insurance business in the eighties of the 20th century. Because develop time shorter, the market of liability insurance of our country is still undeveloped. The economic system has changed and offered the wide stage for development of liability insurance of our country with reform and opening-up. The development of the economy and the society is demanding to have comparatively ripe insurance markets to jocularescort the Emperor to convoy objectively, the liability insurance is a particularly important component among them . So, how to develop the market of liability insurance of our country to become the urgent problem to be solved. This has given the suitable realistic meaning of a selected title too. But, the present stage of our country insurance theory circle exploration and study also relative to lag behind liability insurance market development guide demand of in theory from liability insurance market. The characteristic of this text lies in , I try on the basis of a large amount of data analysis, making a piece of delineating on the whole now to market of liability insurance of our country. And based on this, combine external experience enlightenment, put forward the countermeasure of suiting development of market of liability insurance of our country. This text is divided into five chapters and described altogether. Chapter one: General theory analysis of the liability insurance. Starting point that this part is analysed by the ensuing chapters. To the target that will study of this text, this chapter explains relevant theory backgrounds as foreshadowing, so that readers have a preliminary understanding to the relevant concepts of the research object before gentle after reading. The liability insurance is as a kind of treatment way of the risk of responsibility to taking place, it can yet be regarded as the progressing to produce greatly, is the progress of the human social development too. As regards views that generally admit at present, the civil liability that the liability insurance bears belongs to the liability for tort in civil liability. The liability for tort emerges because of violating the legal obligation, he belongs to responsibility principle and includes avoiding the responsibility, fault responsibility and rigorouslying enforce responsibility. In addition, the ones that have must be related between liability insurance target and subjective fault of the assured, there are different theories in theory in this. Through analysing , we think , comparatively speaking the assured say on purpose that comparatively accord with the essence of the insurance. Liability insurance has their special existence meanings, the thesis has been described from four respects. To the ownership question of the liability insurance, the view of the insurance with comparatively general industry is, what the insurance of the liability insurance is marked is a kind of compensation responsibility, so should be one kind of the property insurance. Chapter two: Analyse to the current situation of development of market of liability insurance of our country. The liability insurance of our country develops still more weak . Since resuming domestic insurance business in the eighties of the 20th century, the liability insurance of our country has got certain development. The thesis proceeds with a large number of materials data at first, analyse wholly one about the liability insurance market of our country. And then, analyse the market data of the more Chinese-funded insurance company and insurance company of theforeign capitals in thesis, it draw though at present insurance company not Chinese-funded at market share th...